https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114
Become a supporter of this podcast: https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114/support.]]>enBusiness© 2026 Let's Work This Sh*t Outhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/e1e3154736fca3db0d080d6ab140b54d.jpghttps://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114Tue, 14 Jul 2026 17:55:55 +0000ChrisLet's Work This Sh*t Outmanaging@senseofthisshit.comThis show is for households carrying $10K–$100K+ non-mortgage debt (credit cards, medical, student, auto) who want non-judgmental, step-by-step payoff plans—not get-rich-quick or shame-based budgeting. We own avalanche vs snowball math, hardship...
Become a supporter of this podcast: https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114/support.]]>falseepisodicSupport the podcast!https://www.spreaker.com/episode/understanding-bankruptcy-101-chapter-7-vs-13-when-each-makes--72968925
You'll discover practical mindset shifts, hidden pitfalls in common repayment plans, and real-talk tactics for negotiating with creditors—insights designed to empower you without the jargon or judgment. Whether you're buried in credit cards, student loans, or unexpected bills, these takeaways will give you the clarity and confidence to take action.

Ready to stop spinning your wheels? Hit play now, subscribe for more episodes, and start building the debt-free life you deserve.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114/support]]>1f91e83f-1ea2-461b-8a7c-c7bd65e8e2f5Tue, 14 Jul 2026 14:56:28 +0000ChrisIn this episode, drowning in debt can feel like an endless cycle of stress and shame, but what if you could flip the script and finally make sense of it all? In this raw, no-BS episode of Managing Personal Debt, we cut through the confusion to reveal...
You'll discover practical mindset shifts, hidden pitfalls in common repayment plans, and real-talk tactics for negotiating with creditors—insights designed to empower you without the jargon or judgment. Whether you're buried in credit cards, student loans, or unexpected bills, these takeaways will give you the clarity and confidence to take action.

Ready to stop spinning your wheels? Hit play now, subscribe for more episodes, and start building the debt-free life you deserve.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114/support]]>415avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-collection-agency-calls-fdcpa-rights-in-plain--72968868
You'll get clear-eyed insights on spotting the difference between good and bad debt, building a no-BS budget that actually sticks, and using proven tactics like the debt avalanche to slash what you owe faster. We also unpack the mental side—how to quiet the anxiety and rebuild your relationship with money without the toxic positivity.

Ready to stop spinning your wheels? Hit play and take the first step toward financial clarity today.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114/support]]>e08a1f49-ddda-47a9-b261-91d4001c469dTue, 14 Jul 2026 14:51:32 +0000ChrisIn this episode, drowning in bills and interest payments that never seem to shrink? Managing Personal Debt: Let's Make Sense Of This Sht cuts through the shame and confusion with straight talk on why debt feels so overwhelming and how to start digging...
You'll get clear-eyed insights on spotting the difference between good and bad debt, building a no-BS budget that actually sticks, and using proven tactics like the debt avalanche to slash what you owe faster. We also unpack the mental side—how to quiet the anxiety and rebuild your relationship with money without the toxic positivity.

Ready to stop spinning your wheels? Hit play and take the first step toward financial clarity today.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podcast/managing-personal-debt-let-s-make-sense-of-this-sh-t--7077114/support]]>399avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-personal-debt-101-avalanche-vs-snowball-math--72750883
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. If you carry credit card balances or other non mortgage debt and want a clear plan without lectures this episode compares the avalanche and snowball payoff methods with actual numbers side by side. Many households face the same choice every month. Pay the highest interest first or tackle the smallest balance for a quick win. The math differs because one method saves more on interest while the other builds momentum through early results. Here's the thing. Suppose you owe four thousand dollars on a card at twenty percent interest and six thousand on another at twelve percent with five hundred dollars available each month. Avalanche applies that payment to the twenty percent balance first. Snowball starts with the smaller total instead. Both approaches use the same total payment yet the time and interest totals sh

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💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>6e2cd728-6b34-4370-af8a-4bad2239de37Tue, 30 Jun 2026 02:55:22 +0000ChrisIn this episode, we cover Payoff methods. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. If you carry credit card balances or other non mortgage debt and want a clear plan without lectures...
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. If you carry credit card balances or other non mortgage debt and want a clear plan without lectures this episode compares the avalanche and snowball payoff methods with actual numbers side by side. Many households face the same choice every month. Pay the highest interest first or tackle the smallest balance for a quick win. The math differs because one method saves more on interest while the other builds momentum through early results. Here's the thing. Suppose you owe four thousand dollars on a card at twenty percent interest and six thousand on another at twelve percent with five hundred dollars available each month. Avalanche applies that payment to the twenty percent balance first. Snowball starts with the smaller total instead. Both approaches use the same total payment yet the time and interest totals sh

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>469avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-student-loan-plans-idr-vs-refinance-decision-tree--72750694
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. If student loans sit at the top of your monthly bills then the choice between income driven repayment and refinancing often decides how fast that balance shrinks. Here's the thing though. Those two paths use different rules for interest rates payment amounts and credit impact so picking the wrong one can add years and thousands in extra costs. Many households face this exact fork once their grace period ends or after a rate hike announcement. On one side income driven repayment ties your bill to earnings and can pause progress toward forgiveness if your income rises later. On the other refinancing locks in a new rate that might cut interest but removes federal protections like deferment and potential cancellation. The reality is the decision tree starts with three simple questions about your current rate your i

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📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>dcec5923-87ee-4645-8f70-6f1fc26fb3f9Tue, 30 Jun 2026 02:25:02 +0000ChrisIn this episode, we cover Student loans. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. If student loans sit at the top of your monthly bills then the choice between income driven repayment...
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. If student loans sit at the top of your monthly bills then the choice between income driven repayment and refinancing often decides how fast that balance shrinks. Here's the thing though. Those two paths use different rules for interest rates payment amounts and credit impact so picking the wrong one can add years and thousands in extra costs. Many households face this exact fork once their grace period ends or after a rate hike announcement. On one side income driven repayment ties your bill to earnings and can pause progress toward forgiveness if your income rises later. On the other refinancing locks in a new rate that might cut interest but removes federal protections like deferment and potential cancellation. The reality is the decision tree starts with three simple questions about your current rate your i

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>410avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-medical-debt-negotiation-scripts-hospitals--72743947
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris, and medical debt often hits households hardest because the bills arrive after the emergency has passed. Hospitals send statements that list every charge, yet many accept reduced payments when you request them the right way. Because those totals can climb fast, the first step is always an itemized breakdown so you see exactly what each line covers. However, calling without a plan rarely leads to the best outcome. In fact, a short script keeps the conversation on track and shows you come prepared. That said, start by confirming your account number and the current balance before you mention any discount. Meanwhile, hardship programs sit in the fine print at most facilities, and staff can walk you through the forms once you ask. For example, you might say you can pay a certain amount today if they reduce the rest.

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>84b86f7c-376e-4268-ba60-e9e5b7ef0a5bMon, 29 Jun 2026 16:47:39 +0000ChrisIn this episode, we cover Medical. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris, and medical debt often hits households hardest because the bills arrive after the emergency has passed....
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris, and medical debt often hits households hardest because the bills arrive after the emergency has passed. Hospitals send statements that list every charge, yet many accept reduced payments when you request them the right way. Because those totals can climb fast, the first step is always an itemized breakdown so you see exactly what each line covers. However, calling without a plan rarely leads to the best outcome. In fact, a short script keeps the conversation on track and shows you come prepared. That said, start by confirming your account number and the current balance before you mention any discount. Meanwhile, hardship programs sit in the fine print at most facilities, and staff can walk you through the forms once you ask. For example, you might say you can pay a certain amount today if they reduce the rest.

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>352avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-credit-score-repair-ordered-steps-after--72742964
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. Collections on your credit report often create the biggest drop in scores, yet the steps to address them follow a clear order that starts with verification and moves from there. Many households see the same pattern after medical bills or old credit card balances shift to third-party agencies. The reality is those entries stay visible for up to seven years, however you can limit further damage by confirming each item first. Here is the thing. You begin by pulling your reports from the three major bureaus and checking the dates, balances, and account numbers against your own records. If anything looks off, you send a written dispute within thirty days of receiving the report. That single action often removes inaccurate items without extra cost. Meanwhile you keep paying any current bills on time because payment h

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>7254ed87-f658-4561-9357-cdfb8ebd6c39Mon, 29 Jun 2026 16:07:00 +0000ChrisIn this episode, we cover Credit score. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. Collections on your credit report often create the biggest drop in scores, yet the steps to address them...
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. Collections on your credit report often create the biggest drop in scores, yet the steps to address them follow a clear order that starts with verification and moves from there. Many households see the same pattern after medical bills or old credit card balances shift to third-party agencies. The reality is those entries stay visible for up to seven years, however you can limit further damage by confirming each item first. Here is the thing. You begin by pulling your reports from the three major bureaus and checking the dates, balances, and account numbers against your own records. If anything looks off, you send a written dispute within thirty days of receiving the report. That single action often removes inaccurate items without extra cost. Meanwhile you keep paying any current bills on time because payment h

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>443avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-debt-consolidation-when-it-helps-and-when-it-s--72379387
Hey everyone welcome back to Managing Personal Debt : Let's Make Sense Of This Shit. Debt consolidation comes up often when households face ten thousand to one hundred thousand dollars across cards medical bills and auto loans. However the idea of one lower payment sounds simple yet the numbers can go either way depending on rates and terms. For example if you move twenty thousand dollars from cards at twenty two percent to a new loan at eleven percent the interest drops but only if you close the old accounts and stop adding charges. Meanwhile some lenders add origination fees or extend the payoff from three years to six which raises total cost instead. That said a consolidation loan can help when the math shows clear savings and you commit to the new payment schedule without new borrowing. The reality is it turns into a trap when the term stretches too long or the rate does not beat you

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📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>b181b508-22c5-47b4-a591-ad93afe77107Sat, 06 Jun 2026 01:38:12 +0000ChrisIn this episode, we cover Consolidation. The conversation opens with: Hey everyone welcome back to Managing Personal Debt : Let's Make Sense Of This Sh*t. Debt consolidation comes up often when households face ten thousand to one hundred thousand...
Hey everyone welcome back to Managing Personal Debt : Let's Make Sense Of This Shit. Debt consolidation comes up often when households face ten thousand to one hundred thousand dollars across cards medical bills and auto loans. However the idea of one lower payment sounds simple yet the numbers can go either way depending on rates and terms. For example if you move twenty thousand dollars from cards at twenty two percent to a new loan at eleven percent the interest drops but only if you close the old accounts and stop adding charges. Meanwhile some lenders add origination fees or extend the payoff from three years to six which raises total cost instead. That said a consolidation loan can help when the math shows clear savings and you commit to the new payment schedule without new borrowing. The reality is it turns into a trap when the term stretches too long or the rate does not beat you

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>362avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefullhttps://www.spreaker.com/episode/understanding-credit-card-hardship-programs-phone-script-that--72379309
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. Credit card bills keep climbing for a lot of households and the interest alone can eat away at any progress you try to make. Hardship programs from the issuers sometimes lower that rate or pause fees for a set period but only if you know how to request them properly. The thing is most people call without a plan and end up hearing no before they finish their first sentence. We will walk through a phone script that has worked for others in similar situations so you can state your case clearly and ask the right questions. Bring a simple spreadsheet with your current balance interest rate and minimum payment so you can run the numbers on the spot during the call. That way you see right away whether the new terms actually shorten your payoff time or just stretch it out. We'll also look at how any reduced rate slots

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>fcc35d2b-bcf0-4467-94b2-0d4c7fe873d4Sat, 06 Jun 2026 01:32:15 +0000ChrisIn this episode, we cover Hardship. The conversation opens with: Welcome to Managing Personal Debt : Let's Make Sense Of This Sh*t. I'm Chris. Credit card bills keep climbing for a lot of households and the interest alone can eat away at any progress...
Welcome to Managing Personal Debt : Let's Make Sense Of This Shit. I'm Chris. Credit card bills keep climbing for a lot of households and the interest alone can eat away at any progress you try to make. Hardship programs from the issuers sometimes lower that rate or pause fees for a set period but only if you know how to request them properly. The thing is most people call without a plan and end up hearing no before they finish their first sentence. We will walk through a phone script that has worked for others in similar situations so you can state your case clearly and ask the right questions. Bring a simple spreadsheet with your current balance interest rate and minimum payment so you can run the numbers on the spot during the call. That way you see right away whether the new terms actually shorten your payoff time or just stretch it out. We'll also look at how any reduced rate slots

Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.

📩 Have questions or want to share your experience? Reach out at managing@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>290avalanche,budgeting,credit,credit-score,debt,debt-free,debt-payoff,financial,financial-health,free,health,interest,interest-rates,payoff,personal,personal-debt,rates,score,snowball,ymylfalsefull