One of the primary causes of climate change is the emission of greenhouse gases, such as carbon dioxide and methane, into the atmosphere. These gases trap heat from the sun and cause the planet to warm up. To combat climate change, it's essential to reduce greenhouse gas emissions and transition to cleaner sources of energy, such as solar and wind power. Download our brochure In addition to budgeting and investing, managing debt is also an essential aspect of personal finance. High levels of debt, such as credit card debt or student loans, can hinder individuals from achieving their financial goals and negatively impact their credit score. Therefore, it's crucial to develop a debt repayment plan and stick to it to improve one's financial health.