Have you ever looked at your bills and thought, how did it get this messy? Credit cards, car finance, Afterpay, and a personal loan from years ago, all with different dates and interest rates. Before you know it, half your pay’s gone before rent even lands. From what we’ve seen at Fintell Finance over the years, most Aussies don’t get into debt overnight. It builds up slowly: a card for emergencies, a small car loan, a few buy-now-pay-later splurges. Then one day, it all fee