Drowning in £15k worth of debt across multiple credit cards, Klarna purchases, and Next store accounts while earning a teacher's salary felt impossible to escape. But I cracked the code by applying seven straightforward principles that completely changed my financial trajectory.

The turning point wasn't about earning more or cutting every expense drastically. It was rewiring how I approached debt repayment, spending habits, and long-term wealth thinking. Most people never try these methods because they sound too simple—yet they proved powerful enough to eliminate all my obligations.

These aren't sophisticated investment strategies or insider tips. They're practical, actionable rules that anyone managing multiple debt streams can implement immediately. Whether you're juggling credit obligations, buy-now-pay-later schemes, or retail financing, the psychology and mechanics remain the same.

The real lesson? Financial freedom isn't reserved for high earners. It's built through systematic discipline and understanding how debt psychology actually works. If you're curious how these seven rules function, the principles stack together to create momentum that compounds over time.