Try this chant.

You can use it in a ritual, with candle magick, burn it, tell it to the elements or whatever you’re moved to do.

I like to chant the poop out of my spells until I can feel them taking form.

abracadabra

my debt is paid

loans forgiven

credit waved

-and so it is-

Yes, magic can be that simple.

Love you,

Ginger