Your Debt Increased In Q3

Borrowing often increases in Q4, especially with holiday sales, payroll, and year-end expenses. But debt, if unmanaged, quickly drains cash flow through interest costs. Review your credit lines and outstanding loans. Can you pay down high-interest debt first? Can you consolidate multiple balances into a single, lower-rate loan?

Even small adjustments can free up hundreds or thousands in interest. That’s cash you can redirect to growth or reserves. Debt is a tool, but in Q4 it should be managed with precision.

Tomorrow, we’ll shift back to the customer side and talk about strengthening payment discipline.

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