What’s been your biggest interest trap?

I’m curious about how Aussies are feeling the squeeze from interest at the moment. Between mortgages, credit cards, car loans, and even “buy now pay later,” it can really stack up... one missed payment or a carried balance, and the banks can take a bigger bite than you expect. Meanwhile, savings barely keep pace.

From your experience, what’s been the biggest interest trap... mortgage, credit card, HECS, car loan, or something else? And how have you managed to stay on top of it without completely cutting yourself off from life?