The posturing you see on social media may lead you to wonder how so many young women are able to afford luxurious brands, opulent vacations and live the overall luxe lifestyle. Well, findings from a new survey reveal that maybe you shouldn’t believe everything you see.

You’re swimming in debt. You feel like you’re drowning. You’ve been praying for financial breakthrough and asking God to work a miracle in your finances. If that’s you, this is an answer to your prayers. Here are 10 easy-to-apply tips!