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She Means Profit

165 episodes - English - Latest episode: 4 months ago - ★★★★★ - 5 ratings

The She Means Profit Podcast is devoted to helping entrepreneurs master their finances and launch, grow, and scale their businesses. Simple, digestible, actionable advice from Melissa Houston, an accredited CPA with over 20 years of experience. Real business owners, real talk, real solutions.

Entrepreneurship Business entrepreneurship financial business finances money coach money mindset financial freedom financial management money management financial coach
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Episodes

Cultivating a Thought Leader Reputation

December 11, 2023 05:00 - 15 minutes - 10.5 MB

“A thought leader is defined as an individual or firm recognized as an authority in their specialized field whose expertise are sought after and often rewarded. ” — Melissa Houston In an ever-growing industry, what sets you apart from the crowd of thousands proclaiming they’re the best and the greatest at what they do? The answer to this question gets harder every day. There will always be startups popping out of nowhere, small businesses that go viral, and established conglomerates that ...

Contract Negotiations with Dina Segal

November 27, 2023 05:00 - 26 minutes - 18.1 MB

"As you're starting your business, you're going to come across so many interesting and sometimes real challenges, really exciting problems to solve, areas of compliance and requirements that probably seem daunting, and I would say really seek out resources, seek out mentors.” — Dina Segal Contracts will always be an essential part of a business. Whether it’s a business deal with your supplier or establishing a new agreement with your client, this piece of paper plays a vital role in prote...

Mastering Your Path to Success: Tips for Managing Debt in Business

November 13, 2023 05:00 - 17 minutes - 12 MB

“With the right mindset and dedication, successful debt management is within your reach.” —Melissa Houston Many aspire to start their own business, but a common obstacle preventing them from doing so is financial constraints. People who do not have enough funding often resort to taking out loans to build their first business. But what’s the deal with businesses that end up sinking rather than soaring? The culprit is often debt. Some businesses fall into the trap of having massive loans ...

Boosting Business Profit through Mastering Sales Conversion Tracking

October 30, 2023 04:00 - 15 minutes - 10.9 MB

“The bottom line is that tracking your sales conversion is an essential step towards driving your business profit and ensuring that your business profit continues to grow and thrive, and not just your profit, but your sales and your whole business.” —Melissa Houston What sets a business up for success? It should have the capacity for profitability and scale. Making a profit in your business can be tough, especially in a challenging economy. In this episode, we emphasize that tracking sal...

Cultivating an Entrepreneurial Mindset for Success with Dianne Welsh

October 23, 2023 04:00 - 18 minutes - 12.7 MB

“There’s never gonna be a perfect time to start a business. There’s never gonna be a perfect time to start calling yourself an entrepreneur until you actually start doing it.” — Dianne Welsh Here’s the deal: success isn’t some kind of magic trick. It starts when you decide to go on an adventure and grab opportunities offered to you. When it comes to building a business, you turn these opportunities into action-packed episodes that coincide with the difference you want to leave. As entrep...

Maximizing Cash Efficiency in Business

October 16, 2023 04:00 - 16 minutes - 11.1 MB

“Cash is queen and with the right strategies, you can manage it wisely and achieve long-term prosperity.” —Melissa Houston When running a business, cash flow is absolutely critical. As business owners, we are responsible for making sure that the cash moving in and out of business is managed properly. Why is it crucial to avoid running out of cash? Cash is the lifeblood of your financial obligations. And let me tell you, it’s not just about keeping cash at hand; it’s about fueling your bu...

Turning Business Flaws into Learning Opportunities: Strategies for Growth

October 09, 2023 04:00 - 19 minutes - 13.4 MB

“Every business owner has made mistakes along the way, but the secret to success is learning from each mistake.” —Melissa Houston What makes a business successful? It’s how you turn mistakes into opportunities to improve and grow your way to success. Mistakes are not to be seen as weaknesses if you are a business owner. These must be seen as valuable lessons that can help you on your way to success. No successful business earned their way up without failing along the way and learning fro...

Profiting Together: Making 2023 a Landmark Year for Business

October 02, 2023 04:00 - 14 minutes - 9.8 MB

“As you prepare for your sales, be sure to prepare as well for your profit. Do not let the busyness of the season be an excuse for you not to create profit in your business.” —Melissa Houston It’s almost the end of 2023, and you know what that means - the busiest season is just right around the corner! So, what’s in the card for businesses this time? Well, it’s about finishing this year with a bang and gearing up for a more profitable new one. As we celebrate our third-year anniversary, ...

Is it a Sales Problem or a Money Management Issue?

September 25, 2023 04:00 - 16 minutes - 11.3 MB

“Finances and marketing numbers are a game as well. So understanding how those numbers overlap can be a game changer.” —Melissa Houston 2023 has not been a great year for business owners. It’s been a rough year, really, with a lot of things happening around us and the economy affecting many different sectors. Experts are debating whether we’re experiencing a recession or not, and the thing is, we’ll only know we are in recession around six to eight months into it. Even though we’re not “of...

Crossing the Bridge where Sales and Marketing Intersect with Jamie Gulino Davis

September 18, 2023 04:00 - 28 minutes - 19.5 MB

“No matter what stage of business you are at, it's really knowing that sales absolutely is, can, and should be beautiful.” —Jamie Gulino Davis There’s always a negative connotation about sales. People have this idea that we should never listen to salespeople because they only have one agenda: they make you lose control, urging you into buying their product or service and lose control of your money. So, it has always been a daunting and overwhelming experience for business owners to close s...

Which Type of Financing is the Best Fit for You?

September 11, 2023 04:00 - 17 minutes - 12.3 MB

“Raising capital can be a critical component of your success. So, with the right financial strategy, you can take your business to the next level.” —Melissa Houston This is why starting or expanding a business can be daunting and overwhelming. It’s hard to answer the question ‘Where do we get our funding?’ Anyone could easily get confused—scared even—when raising capital for their businesses. And the thing is, it’s such a crucial component as no business would be able to start operating w...

Why the Balance in Your Bank Account is Not Your Profit

September 04, 2023 04:00 - 17 minutes - 12.1 MB

“A common mistake that entrepreneurs make is checking their bank balance at the end of the month and assuming that what is left is their profit.” —Melissa Houston Heads up: your bank balance does not equate to your true profitability. Doesn’t mean that you have all those money in your bank account, you’re free to spend them all you want. No—that’s not your profit yet! As business owners, we need to get our money management system tied up so that our profitability is optimized. And one way...

Building a Solid Foundation for Your Business

May 29, 2023 04:00 - 14 minutes - 10.3 MB

“You need to have a solid understanding of what's going on in your business.” —Melissa Houston It’s a no-brainer that anyone who owns a business must have a solid understanding of what's going on in the business—everything, including the ins and outs and the future plans. It’s simply the bedrock of success. And while it is a no-brainer, actually committing yourself to doing so isn’t as simple as it seems. But when you have a firm grasp on your business, it's like having a compass that gu...

The Money Mindset and its Impact with Joyce Marter

May 22, 2023 04:00 - 24 minutes - 16.9 MB

"There's an interconnection between mental health and financial health." —Joyce Marter At first glance, it may appear that there is no correlation between mental health and financial health, but the truth is that they affect one another. Existing mental health issues can make it difficult to manage finances effectively, just as having financial issues can lead to mental health problems like depression and anxiety. That is why it is essential to recognize the interrelation between financi...

Increase Your Sales Volume

May 15, 2023 04:00 - 16 minutes - 11.5 MB

“Finding new and innovative ways to increase the amount and frequency of sales should be one of your top priorities if you want long-term success.” —Melissa Houston Sales volume is essential; it is the heart of your business. Without sales, businesses cannot drive revenue, gain profits, and eventually grow. In simple words, there is no business if you don’t have sales. But increasing your sales volume is not easy. You need to put in effort, dedication, sweat, time, and willingness to tak...

Top Priority for Product-Based Businesses

May 08, 2023 04:00 - 22 minutes - 15.2 MB

"When running a product-based business, profitability should be top of mind." —Melissa Houston Creating and operating a product-based business demands a significant amount of courage and drive to bring your product to the market. Thus, it’s a must that entrepreneurs possess a deep understanding of their intended audience, their competitors, and the industry in which they operate. It is not easy to build a product-based business. There are several things that you should consider, and a ...

Building a Business Beyond Your Great Idea

May 01, 2023 04:00 - 18 minutes - 12.6 MB

"The key to succeeding in business isn't just having a strong idea, but also knowing how to manage your business correctly." —Melissa Houston What motivated you to start your business? Each of us has unique reasons why we started to take the journey of entrepreneurship. For some, it’s their passion, while for others, it’s the desire to have another source of income. But running a thriving business requires a good grasp and understanding of financial management. You have to consider ever...

Your Brand is More Than Just a Logo with Tiffany Neuman

April 24, 2023 04:00 - 21 minutes - 14.5 MB

“Your brand is everything in your business that people have a touchpoint with.” —Tiffany Neuman Your brand is your signature. But it is not just about the colors, logos, or other visuals you provide. Building a brand is all about creating a foundation for your business that includes your vision, voice, story, and goals. It should be like a conversation, a dialogue between you and your customers. Developing a unique brand is a step toward establishing a thriving and profitable business. ...

Building Your Financial Confidence

April 17, 2023 04:00 - 19 minutes - 13.6 MB

"Money serves as a tool to help you create positive things in the world and support your values." —Melissa Houston Contrary to the common notion, money is NOT just a number. We all know how this number in our banks and our wallets has a huge influence on our quality of life.  So, it is not surprising that many of us tie our worth and happiness to the amount of money that we have. We stress about chasing it and work hard to attain it. And while money has the power to make us feel secure, i...

Improving Brand Visibility Through Marketing Strategies with Kelsey Reidl

April 10, 2023 04:00 - 28 minutes - 19.6 MB

“Create what you consume.” - Kelsey Reidl In a competitive environment like the business industry, having the right strategies is the tool to success. While it is a fact that marketing should reflect a brand's personality and be fun, brands should focus on "self-expressed" marketing strategies as well. A good way to start creating a social media strategy for your brand is to create content that you would enjoy consuming. By creating content that aligns with your own preferences, you're mor...

The Role of Taking Risks in Business

April 03, 2023 04:00 - 15 minutes - 11 MB

"Every risk taken has something to teach us, and with each failure comes an opportunity to grow, learn, and move forward." —Melissa Houston It’s scary to take risks, but it’s more daunting not to take one. Taking risks also means taking a leap into our growth. It allows us to move beyond our comfort zones, confront our fears, and ultimately achieve our goals. In the realm of business and entrepreneurship, people are known to be risk-takers. Because the truth is, there’s more to risk and ...

Why You Should Hire a Professional Accountant with Roger Knecht

March 27, 2023 04:00 - 25 minutes - 17.5 MB

“Businesses need proper information to make informed business decisions. And key to that is the accounting information that the accounting professional should be offering to their clients.” —Roger Knecht In the ever-evolving business world, we are met with strict competition, different challenges and obstacles, and exciting opportunities to help us maximize our profits and scale our businesses. However, there’s no one-size-fits-all solution. It requires different approaches as what worked ...

Money Dates are Essential for Your Business

March 20, 2023 04:00 - 15 minutes - 10.4 MB

“Money dates are so helpful, and when you get into a regular routine of having maybe weekly or monthly money dates with your business, it's going to help your business in so many ways, and mostly by increasing profit.” —Melissa Houston Like it or not, any business's lifeblood is money; without it, it will be hard for the enterprise to thrive. There are many reasons why talking about money and finances is essential, yet many people, let alone business owners, still find it boring and unint...

Hire a Professional Accountant for your Young Business with Sarah Beth Davis

March 13, 2023 04:00 - 21 minutes - 15.1 MB

“The biggest thing that I noticed in me after starting to work with you is just a boost in confidence. I certainly went into it having major imposter syndrome.” —  Sarah Beth Davis As entrepreneurs, we know how valuable our financial resources are and want to make sure we put every cent of it to good use. Unfortunately, the most common mistake young businesses make is not hiring a professional to do their financial and business accounting. And this error could cost your young business tho...

What You Need to Know as a Business Owner to Get Rich

March 06, 2023 05:00 - 17 minutes - 12 MB

“It's not enough to have a good business idea. You need to have the financial structure in place.” —Melissa Houston When you hear the word “rich”, what emotion or feeling do you attach to it? Is it a positive notion? Are you proud, excited, and inspired to act? Or are you left feeling bothered, guilty, or even repulsed by it? At the heart of being rich as a business owner is correcting that negative money mindset that being rich is bad. Getting rich is, first and foremost, more about fin...

Empowering Women Business Owners Through Financing

February 27, 2023 05:00 - 22 minutes - 15.3 MB

“We are lending across one end of Canada to the next, on a microloan basis.” —  Wendy Curtis Are you taking advantage of all of the resources available to you as a business owner? Based in Cobourg, Ontario, the Northumberland Community Futures Development Corporation, known as the NCFDC, provides financing and strategy for entrepreneurs. In this episode, I sit down with two of the NCFDC’s incredible leaders, Devon Girard and Wendy Curtis. Devon is the Program Lead for Women Entrepreneursh...

Women Supporting Women- The Scotiabank Women Initiative

February 20, 2023 05:00 - 23 minutes - 16.1 MB

“There was a noticeable difference in the barriers that women were facing, being women entrepreneurs. They were different from what men were facing.” —Chris McMartin Get ready for an inspiring episode! My guest Chris McMartin is a force to be reckoned with when it comes to empowering women and nonbinary entrepreneurs and business owners. Chris leads the Scotiabank Women Initiative Small Business Strategy across Canada. This is a powerful program that helps women and nonbinary people overco...

Why Having a CFO For Your Small Business is a Smart Move

February 13, 2023 05:00 - 20 minutes - 14 MB

“It’s often difficult to stay on track and focus, especially when life throws you unexpected situations and surprises, but having that personal CFO can help alleviate some of that stress — this can be a gamechanger for your business.” —  Melissa Houston How would it feel to have a personal CFO who could coach you through building a successful and profitable business? Who could help you pinpoint your biggest revenue opportunities and effectively plug the money leaks in your business? Who co...

Semi-Passive Income with Lisa Johnson

February 06, 2023 05:00 - 25 minutes - 17.2 MB

“The rhetoric out there at the moment is people aren’t buying—‘if you launch something at the moment, it’s really difficult.’ It isn’t. It’s just that our audiences have grown smarter.” —Lisa Johnson If you’re tired of trading time for money, and want to learn how to work smarter instead of harder in order to build your wealth, this is an episode for you. My guest Lisa Johnson is a multi-seven- figure global business strategist who makes 90% of her money through passive or semi-passive inc...

Why I Care So Much About Your Self-Worth

January 30, 2023 05:00 - 17 minutes - 12.1 MB

“The biggest thing that will separate you from the crowd in your journey to wealth-building is believing that you are WORTH IT.” —  Melissa Houston Interviewing Suze Orman for She Means Profit is one of the top highlights of my career (right up there with publishing my first book, Cash Confident: An Entrepreneur's Guide to Creating a Profitable Business)! As I was starting my own career, Suze was an absolute inspiration as both a female finance expert and as a role model devoted to empower...

Copywriting Tips Every Business Owner Needs For 2023 with Megan Smyth

January 23, 2023 05:00 - 22 minutes - 15.3 MB

“Good copy always connects before it converts.” —  Megan Smyth Many entrepreneurs would say that making sales is the trickiest part of their business — but having the right copy on your website can help you sell your offers while you sleep! After realizing three years into her pre-med degree that she was chasing someone else's idea of success, my guest Megan Smyth decided to start her own business, one that allowed her to make her own roles, empower other women, and (most importantly) req...

It’s Time To Run A Variance Report!

January 16, 2023 05:00 - 19 minutes - 13.3 MB

“Variance reports are essential for any business that wants to stay on top of their finances.” —  Melissa Houston Having a business financial plan is essential — but you also have to monitor your results against that plan, each and every month, in order to understand how to create profit in your business.  This is the reality: if you’re NOT monitoring those results, then you are out of the loop when it comes to the financial health of your business… and you won’t be able to make the infor...

The Key To Feeling Financially Successful with Suze Orman

January 09, 2023 05:00 - 40 minutes - 28 MB

“When you say No out of love for yourself, that is when you start to be a truly profitable, strong, smart, and secure woman.” —  Suze Orman My guest for this episode of She Means Profit is none other than Suze Orman! Suze is one of North America’s foremost experts on personal finance, a New York Times bestselling author, a magazine and online columnist, former contributing editor to “O” The Oprah Magazine, the host of the Suze Orman’s Women & Money podcast, and a co-founder of the employer...

What’s Coming Up For She Means Profit in 2023

January 02, 2023 05:00 - 15 minutes - 11 MB

“I believed that I was going to succeed right out of the gate because I had such a strong business acumen… however, I did not know a lot about being an entrepreneur.” —  Melissa Houston When I first started my entrepreneurial journey, I had a basic idea of what I wanted to do, but my vision grew clearer and more defined through working with clients. If you’ve been a long-time listener of this podcast, then you’ll know that the show has also gone through a few different iterations, from Thi...

It’s Time To Set Your Biz Goals for 2023!

December 26, 2022 05:00 - 21 minutes - 14.6 MB

“You don’t want any negative money mindset issues holding you back from being the best and most profitable business owner that you can be.” —  Melissa Houston The end of the year means holiday get-togethers, warm mugs of cider or hot chocolate, some well-earned downtime… and planning. Setting goals and clearly planning out your next power moves is absolutely essential to growing your business, no matter which stage you are in. If you’re not setting out new goals, your business will become ...

Have You Started Planning For Your Biz Taxes Yet?

December 19, 2022 05:00 - 19 minutes - 13.7 MB

“Planning can help you avoid being blindsided by a large tax bill and can also help you take advantage of opportunities to lower the taxes that are owed.” —  Melissa Houston Tax season. Did those words just send a chill down your spine? Did you get a sinking feeling in the pit of your stomach? Tax season is rarely pleasant for anyone, but business owners in particular often live in fear of being surprised by a large and unexpected tax bill… especially when they don’t have the savings to co...

Does Your Business Need a Money Makeover?

December 12, 2022 05:00 - 19 minutes - 13.2 MB

“Your business finances are the backbone of your business.” —  Melissa Houston Quick question: when was the last time that you evaluated your business’s financial practices? If the answer is “I can’t remember” or “never,” then this episode is for you. Every business should periodically review its financial practices in order to ensure that it’s operating as efficiently as possible. If your business isn’t humming along like a (profitable) well-oiled machine, it may just need a money makeov...

Let’s Make More Millionaire Women

December 05, 2022 05:00 - 17 minutes - 11.9 MB

“Making a lot of money doesn’t make you a bad person… it simply means that you have goals and ambition.” —  Melissa Houston Society tends to side-eye the idea of women building wealth. Although women are starting businesses in record numbers — and generating billions of dollars in revenue — men continue to dominate when it comes to achieving millionaire status, making up two-thirds of the seven-figure-plus club. Ambitious women entrepreneurs often worry that they’ll be seen as greedy or mo...

Are You Stuck In Lifestyle Creep?

November 28, 2022 05:00 - 17 minutes - 11.8 MB

“By closely examining your spending habits, you can ensure that you’re living within your means — and staying on track with your financial goals!” —  Melissa Houston What’s the most subtle, quiet, and insidious threat to your personal wealth? Lifestyle creep. Lifestyle creep (also known as creeping consumption) refers to a gradual increase in your standard of living. It doesn’t have to be as drastic as moving to a larger house or condo! Lifestyle creep can include going on shopping sprees...

The Best Way To Universify Income Streams In Your Biz

November 21, 2022 05:00 - 18 minutes - 12.6 MB

“When you rely on one stream of income, you are revolving your entire business around that ONE way of earning revenue.” —  Melissa Houston If you’ve been scratching your head trying to figure out how to diversify the income streams in your business — or wondering if it’s worth the effort — then you’ll definitely want to listen to this episode! Here’s the reality: even if your business is currently profitable, relying on a single source of income puts you in a very risky position. Income d...

Ways To Get Your Business Making Money For You

November 14, 2022 05:00 - 17 minutes - 12.3 MB

“YOU get to define what being financially successful means to you.” —Melissa Houston Spoiler: this episode reveals 6 proven ways that your small business will make you wealthy (don’t worry, no get-rich-quick schemes are included)! If you’ve been building your business without a full understanding of how your businesses finances impact the success (or failure) of your business, then you’ve been lucky so far… and that luck will run out eventually. In order to consistently make the most prof...

Just Get Started with Amy Porterfield

November 07, 2022 05:00 - 23 minutes - 16.4 MB

“The best day in my 9-5 job is still not even close to the worst day as an entrepreneur.” —  Amy Porterfield Amy Porterfield helps women business owners around the world find professional autonomy, independence, achievement, and success that is FAR beyond what a corporate glass ceiling would traditionally allow — so you already know that I am a big fan of her mission! Through her bestselling courses and top-ranked podcast, Online Marketing Made Easy, she’s helped hundreds of thousands of e...

Why You Should Develop A High Profit Pricing Strategy

October 31, 2022 04:00 - 17 minutes - 12.3 MB

“You need to remain diligent to remain profitable in your business.” —  Melissa Houston Is your pricing strategy leaving money on the table? Pricing is a practical piece of your business — but it’s also highly psychological. The purpose of choosing a good pricing strategy is to maximize your profit margins, so that your business can maintain a healthy profit as you grow and as your expenses increase. Your relationship with money WILL shape your relationship with your business, so developin...

Essential Investment Strategies Every Business Owner Should Know with Larry Bates

October 24, 2022 04:00 - 29 minutes - 20.3 MB

“Investment fees, for most Canadians, really cause great damage to their ultimate retirement savings.” —  Larry Bates Larry Bates is a name that my clients and long-time listeners know well — I recommend his book to them regularly! Larry is an independent investor advocate, former investment banker, and author of Beat the Bank: The Canadian Guide to Simply Successful Investing.  So, it’s safe to say that Larry knows a thing or two about how the investment industry works — and how to mini...

How To Get The Mindset Of A Millionaire

October 17, 2022 04:00 - 17 minutes - 11.7 MB

“Money does not make you happy, but the reality is when you do have money, it does provide a lot of opportunity. Having money does buy financial security and financial peace.” —  Melissa Houston From “old money” to self-made millionaires, wealthy people share a few things in common when it comes to the way that they use their wealth, their money mindset, and their beliefs around finances.  From their lifestyle choices to their investment strategies, understanding how the wealthy approach ...

Investment or Sunk Cost? How To Properly Invest In Your Biz

October 10, 2022 04:00 - 24 minutes - 16.5 MB

“When you’re investing in yourself, be sure that you’re making the right investment that will get you the specific return that you’re looking for.” —  Melissa Houston You know that I love to talk about profit, but you can’t fully understand your profit potential without understanding your expenses. The fact is that sometimes you need to spend money to make money. The money that you spend to build your business is an investment in your future earnings, whether you’re spending it on adverti...

Q3 Analysis: Preparing Your Business Finances for 2023

October 03, 2022 04:00 - 20 minutes - 13.9 MB

“It’s one thing to want to grow your business. It’s a smarter choice to have a plan for that growth, because not all growth is considered good.” —  Melissa Houston It’s October, and you know what that means: it’s time to close your books for Q3 and do your financial analysis. Taking a look at your business finances each quarter gives you the opportunity to reflect on what you’ve done, how you’ve performed, whether you’ve met your objectives, and what you can do to improve next quarter.  A...

Optimize Your Profit for Cash Confidence

September 26, 2022 04:00 - 16 minutes - 11.6 MB

“If you think you should be measuring the success of your business through revenue numbers, think again!” —  Melissa Houston Would you rather have higher revenue or higher profit? What if I told you that many businesses with high five-figure revenues are more profitable than many businesses with six-, or even seven-figure revenues?  The key ingredient to a successful business is not revenue — it’s profit. Revenue and profit are both important, of course, but profit is the key to growth. P...

The Importance of Protecting Your Financial Assets

September 19, 2022 04:00 - 22 minutes - 15.3 MB

“Even if you’re just starting out, you really are building a financial asset in building a business.” —  Stephanie Burns You know that you have the potential to be your niche’s next great thought leader. So, how do you claim your share of the spotlight? And what happens when your name becomes known for reasons you never expected? My guest, Stephanie Burns travelled an unusual road to entrepreneurship — she used the money she won as a contestant on the Wheel of Fortune to launch her first ...

Create a Plan to Get Out of Credit Card Debt

September 12, 2022 04:00 - 17 minutes - 12 MB

“Carrying debt erodes your wealth because you have to pay to borrow money… When you do borrow money, you HAVE to have a plan to pay it back.” —  Melissa Houston This is an episode that the credit card companies DON’T want you to hear! Whether it’s personal or professional, debt can be an enormous source of stress… and it can also be a source of shame, fear, or guilt. Credit card debt is one of the most common types of debt. According to moneygeek.com, the average card holder in Q1 2022 is...

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