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Feeling overwhelmed, tired, or frustrated with debt? Ready to be get out of debt without putting your life on hold? Here’s where to start!Feeling overwhelmed, tired, or frustrated with debt? Ready to be debt free? Here’s where to start!

  1. Sign up for the (FREE) Debt Mindset Reset 7-day email course. And then actually do the action items. If you want even more support, resources, and an in-depth course, join the Destination Debt Freedom Program. Getting out of debt really starts with changing the way you think — and that involves taking action!

  2. Quit borrowing. Do this one thing and you will become debt free so long as you’re also making your monthly payments. Here are 5 things to do instead of borrowing. It’s a toughie but once you quit borrowing for good your life will start to change.

  3. Make minimum payments to all your debts. If you can’t do that yet, bring in extra income and cut spending until you can, brainstorm options in the reader Facebook group, and go from there.

  4. Build a small emergency fund. Here’s how. To help build your fund faster and make all of the other steps easier, start tracking your spending now too. Tracking your spending can be super simple: When you buy something, just write down what you bought and how much it was. Total it up as you go and decide how you feel about the expenditure. You don’t even have to read your list again for it to start to make a difference. (Although if you do, it’ll have a larger impact.)

  5. Pick the debt you want to pay off first. It’s good to pick either the debt with the lowest balance or the one you hate most. If you’re hung up on picking the “right” one, know this: it doesn’t really matter all that much. Just pick one and focus on making it a goner.

  6. Start your debt snowball. Using the Pay Off Debt app is a great way to set that up and stay motivated. (More on what a debt snowball is here.)

  7. Create a living budget each month or pay period (that you track as you go along.) Hate that B word? Think of it like this instead: What do you want to buy & do? Plan it out ahead of time so that you’ve got the money to do that stuff. A budget is just a plan. (Need a budget template? Feel free to use this one.)

  8. Stay motivated along the way by reading useful articles and interacting with others who are getting out of debt and improving their finances just like you.

  9. Let the world know when you’re debt free! Remember, I’m here to encourage you along the way. And I definitely want to hear about it when you pay off a debt!


P.S. As a reminder, the first step is to sign up for the free Debt Mindset Reset email course. You can do that right here:

Join the hundreds of people who’ve already signed up: