Credit and Debt: Understanding Them to Avoid Being Slaves to Them

📘 Credit and Debt: Understanding Them to Avoid Being Slaves to Them is a clear, simple, and easy-to-follow guide for anyone who wants to finally fully understand the true meaning of money.

Too often we think that "money is money" and that there's no difference between spending it and borrowing it. But the reality is very different: there's credit money (which you actually own) and debt money (which you borrow and which ties you down with interest and obligations).

Understanding this distinction means transforming your relationship with money, learning to manage it consciously, and above all, regaining your financial freedom.

Inside you will find:

• simple yet profound explanations of how credit and debt work;
• practical examples from everyday life that will make you say “that's exactly how I live too!”;
• the differences between good and bad debt, and how to avoid the most common traps;
• golden rules for managing your money intelligently;
• real stories of those who used credit well and those who instead ruined themselves with debt;
• concrete advice for building independence and financial freedom step by step.

👉 This book is not written for economists or industry insiders, but for ordinary people who finally want to take control of their future.

✅ A practical, straightforward, and motivational manual that will guide you from awareness to concrete action, helping you to no longer be a slave to money but to make it your ally.