Part 9/11:
In view of the alarming financial audit, a plan emerged to tackle Julia's situation systematically. The first step outlined a strategy to create a strict budget that accounts for essential expenses such as rent, utilities, food, child care, and minimum debt repayments without overspending. The suggested approach included prioritizing the repayment of debts from smallest to largest balances (the “snowball method”), establishing a plan to build an emergency fund, and reassuring a focus on long-term financial health.