In order to slay your finance game, you have to actually sit down and confront the scary demons of your financial situation. That includes credit card stats, debts, monthly income, monthly expenses, past spending habits, everything. Once you’re clear on where you’re at, you can start planning a strategy for improving said situation. But if you never take the time to sit down face to face with the facts, you will just be causing yourself unnecessary stress and anxiety by prolonging the inevitable!