The Cashflow Reality Check Most People Avoid
I'm Oskar Lundqvist, and I've been helping people untangle their finances since 2017. This month, I want to talk about something uncomfortable but necessary. Most people who come to us think they have a debt problem. What they actually have is a cashflow problem that's been papered over with credit for years.
The difference matters because the solutions look completely different. Debt consolidation might lower your monthly payment, but if your regular expenses exceed your income by $400 every month, you're just delaying the inevitable. I learned this the hard way working with Tamsin Abernathy in late 2024. She'd consolidated twice, always with the best intentions, and always ended up back where she started.
Recovery isn't about finding the perfect financial product. It's about building a system that acknowledges your actual income and expenses, then making deliberate choices about what changes you're willing to make.
What worked for Tamsin was tracking every dollar for sixty days without judgment. Not to shame herself, just to understand where the gap really was. Turns out, subscription services and convenience purchases added up to nearly $300 monthly. She didn't need another loan. She needed visibility and then choices.
That's what I hope our news section provides—practical visibility into recovery strategies that work for real people with real constraints. Check back monthly for new insights from our team.
