As months passed, Karina saw her debt figure decrease. The $4,000 seemed less daunting with each payment. She celebrated small victories along the way, like finishing a particularly tough month or successfully negotiating a lower payment plan with one of her creditors.
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The feeling was indescribable. Karina felt like she could finally breathe again, like a weight had been lifted off her shoulders. She termed this moment her "Dickaboo" moment—a term she coined from an Australian slang term for a surprise or a sudden change in fortunes. As months passed, Karina saw her debt figure decrease