"I looked at the statement and cried. R$ 18,000." — Letícia, 34 years old.
O Fundo do Poço
Letícia accumulated debts during the pandemic: card, payroll and car. A salary of R$3,200 wasn't enough.
A Virada
- Month 1-3: Cut Netflix, gym, delivery. Paid the smallest debt (Snowball).
- Month 4-6: Negotiated 30% discount on the main card.
- Month 7-8: Paid off the loan. All that was left was the car.
The Result
June 2026: R$4,800 in reserve and invest R$500/month.
🎯 Lesson: "The spreadsheet didn't pay my debt. I paid it. But without it, I didn't know where to start."
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