Quiet Debt

Definition: Debt that accumulates slowly through recurring small purchases or subscriptions—rarely noticed until it becomes substantial.

Example: “My $9.99/month habits added up to over $800 a year.”

Beast Form: 🐁 Nibblin – Chews away silently at your budget in the shadows.

Coping Insight: Audit your monthly auto-charges. The beast feeds on what you don’t notice.