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1. Focus On One Debt Until It’s Paid Off
You know that feeling when your to-do list has ten things and you end up doing none?
That’s exactly what happens when you try to tackle all your debts at once.
Your energy gets scattered, your motivation drops, and you end up feeling stuck.
Instead, you want to laser-focus on just one debt. The smallest one. So you can knock it out fast and feel that sweet taste of progress.
Ever notice how good it feels to cross something off your list? That’s the Debt Snowball Method, baby. Small wins that keep you rolling until every debt melts away.
👉 Here's How You'll Do It: Pick your smallest debt, pay it off first, and use a free tool like Undebt.it to track your snowball progress in real time.
📌 SAVE IT FOR LATER! 📌
2. Combine Multiple Debts Into One Easy Payment
You’ve probably wished your bills could just… merge into one simple thing, right?
Well, debt consolidation basically does that. It combines multiple debts into a single payment with a lower interest rate.
It’s like cleaning up your kitchen after a big dinner. Everything just feels easier when it’s not a mess.
You’ll save money on interest, avoid missing payments, and finally feel like you’re the one running the show.
Plus, seeing just one balance instead of five? It’s the kind of mental relief you didn’t know you needed.
👉 Here's How You'll Do It: Use a balance transfer card from a trusted source like Upgrade or SoFi, and automate your single monthly payment to stay consistent. AND DON’T TAKE ANY MORE DEBT OR USE CREDIT CARDS!!
3. Stop Using Credit Cards While Paying Off Debt
You can’t fix a leaky roof if it’s still raining, right?
Well, using credit cards while trying to pay them off is basically adding more water to the bucket.
You’ve got to freeze your spending. Literally, some people even put their cards in a block of ice (dramatic, but effective).
Focus on using cash or a debit card so you can actually feel the money leaving your hands.
It’s a little painful at first, but that sting reminds you that every dollar counts.
👉 Here's How You'll Do It: Switch to cash or debit for daily spending and use Rocket Money to track your expenses and stop unnecessary subscriptions.
Bonus Tip: Keep Track Of Your Progress In One Place
Have you ever noticed how much more motivated you feel when you can actually see your progress?
That’s why tracking your debt payoff matters. It turns this whole “getting out of debt” thing from a guessing game into a scoreboard.
You watch your balances drop, your confidence rise, and suddenly you’re not stressed. You’re winning.
It’s like watching your savings grow, but with way more satisfaction because you’re beating something that used to own you.
And here’s the best part. You can make that whole process automatic.
👉 Here's How You'll Do It: Use Undebt.it, a free tool that builds your personalized debt payoff plan, tracks every payment, and shows your progress visually so you stay fired up every month.
4. Use Found Money Like Tax Refunds For Debt
Getting a tax refund feels great… until you realize it’s just your own money coming back late.
Still, it’s the perfect moment to make your debt shrink fast without paying more monthly.
Instead of splurging on takeout or that “just one” Target trip, use it to crush one of your balances.
Think of it as sending your debt a surprise knockout punch.
You’ll make huge progress without changing your day-to-day budget one bit.
👉 Here's How You'll Do It: When your refund hits, send the cash straight to your smallest debt balance. No detours, please!
5. Build An Emergency Fund To Avoid New Debt
Here’s the thing. Debt doesn’t just happen once; it happens again when life smacks you in the face.
A flat tire, a medical bill, or your AC dying mid-summer (welcome to Miami 😅).
Having an emergency fund means you don’t have to swipe that card again when stuff goes wrong.
It’s your personal “no stress” cushion that keeps you out of the endless debt cycle.
Even saving $20 a week adds up faster than you think, and that little safety net changes everything.
👉 Here's How You'll Do It: Open a high-yield savings account at Betterment Cash Reserve, and set up an automatic weekly transfer from your checking account.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
