I wrote a blog post on simple budgeting and debt management tips a few months ago. I may not be a well-known authority on this matter, but this is something I am familiar with. One, I accumulated enormous debt during the pandemic because of job loss. Second, I have struggled with budgeting for the past few decades, but how I perceive it changed after I got into a large debt in 2020. I am still in debt, but I have paid several personal loans over two years with budgeting and debt management. I am no financial guru, but I have learned a lot in two years that 2020 and 2021…
