Welcome back to a new episode on a lovely space podcast! Today our guest is Tracy Hemingway, also known as Debt free diva! She is a financial mentor who paid off 94k with 20% interest in 3 years. During this episode Tracy shares her story of what led to being in debt, her experience, lifestyle change and journey overall! She also shares advice on savings, investing, budgeting and emergency funds! Follow tracy on instagram: https://www.instagram.com/debtfreedivanz/?hl=en Check out her website:https://debtfreediva.co.nz/