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1. Start By Knowing Your Total Debt
You canât fight what you canât see, right?
So grab your phone, open your notes, and write down every single thing you owe. Yup, even that $89 credit card you forgot about.
Most people avoid this part because it feels scary, but youâll feel lighter once you actually know the total number.
Itâs like stepping on the scale after the holidays. Painful, but necessary.
When you finally see the full picture, it stops being a monster and starts being a plan.
đ Here's How You'll Do It: Use a free site like Undebt.it to list all your debts and interest rates in one place and see what youâre really dealing with.
đ SAVE IT FOR LATER! đ
2. Focus On One Small Debt First
You know that feeling when you clean one messy drawer and suddenly want to organize the whole house?
Thatâs exactly how paying off debt works. You start small and build momentum.
Tackling your tiniest debt first gives you a quick win, and your brain loves quick wins.
This is called the Debt Snowball Method, and itâs basically the only kind of snow youâll ever enjoy if you live in Miami.
Once that first balance hits zero, youâll be unstoppable.
đ Here's How You'll Do It: Pick your smallest debt, throw every extra dollar at it, and use Undebt.itâs snowball calculator to see how fast you can wipe it out.
3. Cut Small Expenses to Free Up Cash
You donât need to live like a monk. You just need to stop bleeding cash on stuff you donât even remember buying.
Look at your subscriptions, that daily delivery habit, or those â$5 wonât hurtâ moments that add up to $200 a month.
Cancel what you donât love, downgrade what you barely use, and pocket the difference.
Youâll be shocked at how fast those tiny cuts turn into serious savings.
Itâs not about deprivation. Itâs about choosing where your money actually matters.
đ Here's How You'll Do It: Open Rocket Money or your bank app, review recurring payments, and cancel or downgrade at least one unnecessary subscription today.
Bonus Tip: Track Your Progress In One Place
You know what feels even better than paying off debt?
Seeing your progress add up week after week.
When you track everything in one spot, you stay motivated and stop second-guessing if all this effort is working.
Thatâs where a free tool like Undebt.it comes in clutch. It shows you exactly how much youâve paid off, how long youâve got left, and even gives you that satisfying âlook how far Iâve comeâ feeling.
Thousands of people swear itâs what kept them consistent when motivation started fading. And youâll get why once you see your numbers moving down instead of up.
đ Here's How You'll Do It: Create a free account on Undebt.it, plug in your debts, and use its Debt Snowball Tracker to watch your progress shrink week after week while keeping everything organized in one dashboard.
4. Make Extra Payments When You Can
Every time you get a little bonus, tip, or refund. Thatâs not âfun money,â thatâs debt-busting fuel.
Throwing even $20 extra at your balance can save you hundreds in interest long-term.
Think of it like hitting the gym: one session wonât change your body, but consistent reps will.
Youâll start to see progress faster than you think, and honestly, that feels better than any impulse buy on Amazon.
So next time you have extra cash, donât let it sit. Make it work.
đ Here's How You'll Do It: Set up autopay with a small extra amount in your credit card or loan account, or manually send an extra payment whenever you get side hustle cash.
5. Use Cash or Debit for Everyday Purchases
Credit cards are sneaky little devils. They make spending feel painless until the bill shows up and ruins your week.
Switching to cash or debit forces you to feel your spending in real time.
When you hand over a $20 bill for snacks, it stings just enough to make you think twice.
That awareness is what helps you stay in control and stop swiping for stuff you donât need.
Before you know it, youâll be buying based on priorities. not âpoints.â
đ Here's How You'll Do It: Withdraw your weekly spending money in cash, or set a daily limit on your debit card using your bank app so you canât overspend.
đ SAVE IT FOR LATER! đ
And thatâs it!
Never forget itâŚ
đ A Bigger Bank Account Is Waiting For You!
đ Dale!
