Feeling overwhelmed by debt is incredibly common, and it can feel like a weight that impacts every part of your life. The good news is that there’s always a path forward. Getting out of debt isn’t about magic tricks or extreme sacrifice; it’s about having a clear plan and taking consistent steps.

First off, congratulations! Getting a raise is a fantastic achievement that reflects your hard work and value. The first instinct is often to think about all the new ways you can spend money—a nicer car, a bigger apartment, more dinners out.

Landing your first job is a huge milestone! With that first real paycheck comes a newfound sense of freedom, but also a new set of responsibilities. uddenly, you’re thinking about rent, student loans, and maybe even trying to have a little fun without your bank account hitting zero before the next payday.

Getting a raise is a fantastic achievement that deserves celebration. It’s a validation of your hard work and a welcome boost to your income. However, that initial excitement can quickly lead to impulsive decisions that undermine your long-term financial health.