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  Debt is a burden that many individuals carry, often silently. Yet, its weight can impact all aspects of life—financial stability, emotional well-being, and future opportunities. While taking on debt can be necessary for education, homeownership, or emergencies, it often becomes overwhelming. The feeling of not knowing how to tackle a mountain of debt can paralyze someone. Not knowing where to begin can also prevent them from taking the right steps forward. The Snowball method and the Avalanche method are the two most popular debt repayment strategies. They offer different but effective approaches to managing and eliminating debt. Each method has its merits, and the key lies in understanding how each works. It's important to know why debt repayment matters and the significant benefits that come with financial freedom. Why Debt Repayment Matters: Understanding the Impact. Debt repayment is more than just a financial obligation; it’s a way of reclaiming control over your life. Wh

  Make Sure You Have an M-Pesa Account : First, make sure you're registered with M-Pesa. You can visit a Safaricom agent to sign up if you're not already a user. Activate Fuliza on Your M-Pesa : Dial *234# on your phone. Select the Fuliza M-Pesa option from the menu. Follow the prompts to agree to the terms and activate the service. You will receive a message confirming that Fuliza is activated and stating your overdraft limit. Check Your M-Pesa Balance : Before making a transaction, it's always helpful to know your balance. Fuliza will only come into play when you don’t have enough money in your M-Pesa wallet to complete a transaction. Start a Transaction : When you're ready to send money, pay a bill, or buy something using M-Pesa, initiate the transaction as usual. If your balance is insufficient, M-Pesa will notify you. It will provide an option to "Fuliza" to complete the transaction using the overdraft. Confirm the Use of Fuliza : You wi