About 12 years ago I was broke and broken up with. Debt seemed insurmountable and I was in a constant state of scarcity. That state really does keep you from moving forward.

So here I am - diving deep and giving you some of the strategies that got me from there to here…not without a few wrong turns of course. What I found was its not just one thing that gets us out of debt. It’s the combination of the what and the woo!

There are different types of debt - with different values.

Credit: credit cards, personal loans, and home loans

Messy debts: overdue bills, late payments and stuff that accumulate often unnoticed.

When you understand the difference between good debt used to leverage and lead to financial growth, and bad debt, which are all those things you paid on credit and forget immediately.

I know this because I have lived it - more than once. One of the best things I discovered on the part of my happy money journey that took me out of debt was EFT or tapping. There are a number of ways to change your state, and take you from a feeling of scarcity to abundance but this is one of my favourites. Here are some links that will help you explore more:

https://www.happymoneyjourney.com.au/pl/2148300463 Link to debt list download

https://www.youtube.com/watch?v=XRfLTQjJhp0 Nick Ortner

https://www.youtube.com/watch?v=f4hVGAUbK-8 - Brad Yates

00:00:00 - Introduction to Debt and Mindset 00:01:15 - The Importance of Understanding Debt 00:02:30 - Types of Debt: Credit vs. Messy Debt 00:04:36 - Good Debt vs. Bad Debt 00:05:58 - Overcoming Overwhelm and Scarcity 00:08:08 - Taking Control: Listing Your Debts 00:09:12 - Addressing Day-to-Day Living Expenses 00:10:49 - The Cost of Ignoring Maintenance 00:11:31 - Creating a Repayment Plan 00:12:02 - Emotional Freedom Technique (EFT) Introduction 00:13:17 - Using EFT to Shift Your Mindset 00:15:06 - The Process of EFT Explained 00:17:15 - Conclusion and Resources 00:19:13 - Acknowledgment of Traditional Land 00:19:35 - Closing Remarks and Disclaimer