Feeling buried under a mountain of debt? You’re not alone, but you don’t have to panic. People are getting creative—like literally freezing their credit cards in ice to curb impulse buys, or hosting TikTok yard sales to turn old stuff into quick cash. The real market shift? Personal loans are way cheaper than you think, with rates starting at 6.4%. That means you could refinance and save big, or just use some side hustle cash to chip away at what you owe. Small changes, big impact! #DebtFreeJourney #MoneyHacks #PersonalFinance #Finance