Opposite to long term debt.

Long term is mortgages, loans with fixed terms.

Short term is credit cards, pay day loans, overdrafts, stuff like klana etc.

Get those cleared so that the money you earn stays as yours and you’re not paying interest on debt. Once that’s done the money were paying to other people can go into high interest savings so you start earning interest on it, and act as a buffer to stop you going back into debt in the future

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Pay off any credit card balance you can.