Hello, I’m Avery Harper, and I’m glad you stopped by Global Debt Registry.
My goal is simple: show how everyday debt really works so you can borrow wisely and sleep better.
I rely on my training in finance and years of listening to people with bills and worries, not just spreadsheets.
On this page you’ll learn why I write and what awaits.
Why I Write About Debt
Growing up in Scranton, our grocery trips doubled as math class. My mom handed me the coupon pile and asked what mix saved the most.
That habit turned into my first handwritten loan contract at nine, when my older brother borrowed a Game Boy and paid me weekly nickels.
Years later, formal finance study and a stint on bank risk teams deepened the puzzle. Why do some borrowers thrive while others drown in fees?
I write because clear facts build dignity. When people understand the fine print, they negotiate better, budget braver, and hold lenders to account.
How My Story Shapes My Advice
I spent a decade reading credit files and designing tools that predict repayment. Conference rooms buzzed with algorithms, but my favorite meetings were the ones that ended with simpler explanations.
When an amortization table crossed my desk, I tried explaining it to a sophomore or a shopper in line at the food bank. Teaching Money Smart Kids sharpened that habit.
Those stories remind me that every balance sheet hides a birthday, a hospital bill, or a dream gap year. Living in Denver with my trail-loving family keeps my advice tied to rent checks and grocery runs.
I also guest-lecture at community colleges where students test my charts with blunt questions. Their curiosity nudges me to update examples until anyone can follow the math.
What You’ll Find on This Blog
Here you can explore guides that tackle debt issues head-on without fluff.
- Credit cards
- Student loans
- Medical bills
- Debt that moves into collections
I post a new piece at least twice a month, mixing quick how-to checklists with deeper dives into the history of lending practices. Each article ends with clear steps you can act on that same day.
You will never need a dictionary for financial jargon here. If an industry term sneaks in, I break it apart immediately so the idea stays useful.
Beyond the Blog
In the Rockies, my husband Jordan frames sunrise peaks while our kids, Lydia and Caleb, hunt for smooth skipping stones. Hikes like these reset my thinking and often spark a notebook line that later grows into a full post.
Back at home, I keep studying applied statistics because better data helps solve real problems. Many posts use Jordan’s landscape photos as teaching tools, and I welcome readers who want to see the mountain view behind the numbers.
Join the Conversation
Your stories and questions keep this blog alive.
Visit the Contact page to reach me directly, and your message may guide the next guide or myth-buster.