💨 Abstract

Amy Todd, a 36-year-old mother of two, found herself in £15,000 of credit card debt after initially using a credit card for a friend's birthday party. Over seven years, she transferred balances between cards, accruing fees and increasing her debt. After having children and facing rising interest rates, she realized the need to manage her finances. She read a book on financial management, started budgeting, and began investing.

Courtesy: Sarah Davidson