Every year you promise yourself to earn more, pay off all your loans and work harder to develop your own business. But every time something bothers you. Unexpected expenses and dubious “wants” unsettle you. Debts, loans and obligations appear. And one fine day, it seems that here it is - the long-awaited financial independence... But no... We need to update the kitchen. Dress your child for winter. And put the rest in the bank to close the mortgage early. Who is to blame for this? Attitudes inherited from parents? Government? Banks? No! The one who put himself in this unpleasant situation is to blame. I have collected for you the most effective ways to get rid of debt. These 12 tips will help you improve your financial situation and create a strong foundation for your relationship with money. Don't give up - you have every chance of success. Read and apply my 12 tips that will help you deal with debt and achieve financial independence.