Lighter

The final episode of the Lighter debt series . Maya and Dr Linda cover everything that happens after the balance transfer — how to calculate your exact target monthly payment, why automation beats willpower every time, what to actually do with the old cards, and what to do when a hard month hits in the middle of the window. Missed Episodes 04 and 05? Start there — this series works best in order....

Episode 04 turned the light on. Episode 05 hands you the tool . Maya and Dr Linda walk through the balance transfer move - the single most powerful strategy for getting out of credit card debt - step by step. You will learn exactly how a balance transfer works, who it is right for, what to look for in a card, the biggest mistake people make after transferring, and how to use the interest-free wind...

If you have credit card debt, you are not irresponsible . You were almost certainly never properly taught how credit card interest actually works. This episode, Maya and Dr Linda turn that light on. You will learn why the minimum payment is a retention strategy designed to keep you in debt , how compounding interest works in plain language, the three numbers on your statement that actually matter,...

Most of us are sitting on unredeemed loyalty points worth real money — and never touching them because we're saving them for someday. This episode, Maya and financial counsellor Dr Linda unpack the psychology behind points hoarding and walk you through a full loyalty audit across supermarket cards, pharmacy rewards, credit card points, store credits, gift cards and airline miles. Programs cov...

Did you know the average household is paying for four to eight subscriptions they've completely forgotten about ? This episode, Maya and financial counsellor Dr Linda expose the two deliberate tactics companies use to keep money quietly draining from your account — and walk you through exactly how to take it back. You'll learn how to run a 3-month bank statement audit , decode charges li...