Nandinee .

Effectively managing personal finances, particularly micro-debts such as credit card balances and Buy Now, Pay Later (BNPL) loans, along with recurring expenses like subscriptions and utility bills, is a persistent challenge for individuals, often leading to financial stress and inefficient budgeting. • Lack of Awareness: Many individuals remain unaware of hidden loans, high-interest rates, and how debt affects their financial well-being. • Inefficient Debt Management: People struggle to prioritize paying off high-interest debts, leading to increased financial burden. • Subscription Overlap: Unmanaged subscriptions lead to unnecessary deductions, adding to financial stress.