Fundação Univers 2025-10-28T12:26:12Z

It was a rainy afternoon in late October, and I was hunched over my laptop, staring at a spreadsheet that had become my personal financial nightmare. Columns of numbers blurred together – credit card statements from three different banks, investment account summaries, and a haphazard list of monthly subscriptions I couldn't keep track of. My coffee had gone cold, and a headache was brewing behind my eyes. For years, I'd prided myself on being organized, but when it came to money, I was a mess. T

It was one of those mornings where everything seemed to conspire against me. The alarm didn't go off, the coffee machine decided to take a permanent vacation, and my son, Liam, was running around the house like a tornado in pajamas. Amidst the chaos, I remembered—today was the deadline for his school fees. A wave of panic washed over me; missing it meant late fees, and with my tight budget, that was a luxury I couldn't afford. That's when I fumbled for my phone, my fingers trembli

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