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Since the turn of the century, tax cuts are responsible for 57% of the increase in the country’s debt-to-GDP ratio, a measure economists rely upon to see if our debt burden is becoming unmanageable.

"I came off the pill and that's when my periods became absolutely, completely unmanageable. They took over my life. I wasn't going to university, I wasn't going to work," Ami says.

She said digital payments risked her going overdrawn, and facing unmanageable interest and fees as a result.

But, as many people vow to tackle unmanageable debts this year, some have taken to social media to document their journeys to becoming debt-free.

“It must have been, just, unmanageable,” he said.