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Debt can change your life—the stress, the collection notices, the toll it can take on your self-esteem. But you can also change your life to fix your debt.

The first step is knowing when to pull the ripcord on your spending and activate your “ramen” budget. The second is to understand that while debt can feel bad, it’s not the end of the world.

On this week’s episode of Teach Me How to Money, Tiffany “The Budgetnista” Aliche talks about how she dug herself out of a 5-figure debt sinkhole (and a foreclosure) and became an advocate for others like her.

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