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1. Know the Total Debt You Owe & Set a Clear Payoff Goal
You can’t fix what you don’t know, right?
Most people avoid checking their total debt like it’s a horror movie. Hands cover their eyes, peeking through fingers, hoping the number somehow shrinks.
But here’s the deal: you can’t win a game if you don’t know the score.
Grab your phone, open your banking apps, credit cards, and loans. Everything. And face those numbers head-on.
It might sting, sure, but that’s the moment you start taking control.
Once you know the damage, set a goal that feels both realistic and urgent.
Think: “I’ll pay off $5K in five months” instead of “someday I’ll be debt-free.”
Why? Because “someday” never shows up on the calendar.
👉 Here's How You'll Do It: Use a free debt tracker app like Undebt.it to list every balance, interest rate, and due date, then set a deadline you can see daily.
📌 SAVE IT FOR LATER! 📌
2. Cut Unnecessary Spending Immediately
You know that “treat yourself” moment that happens a little too often? Yeah, that one’s gotta chill.
When you’re serious about paying off debt, every swipe of your card needs a purpose.
That daily coffee run, random Amazon scroll, or “just a quick Target trip”? That’s money escaping your wallet faster than a Miami breeze.
Start asking yourself before every purchase, “Do I really need this, or am I just bored?”
Nine times out of ten, you’ll realize boredom is more expensive than you thought.
Cutting unnecessary spending doesn’t mean living like a monk. It means being intentional with every dollar.
Ever seen someone brag about paying off debt? You can be that person. 🙂
👉 Here's How You'll Do It: Go through your bank statements with Rocket Money to spot recurring charges and cancel what you don’t use anymore today.
3. Pay Your Debts Automatically Every Month (More Than the Minimum)
You know what’s wild? Most people pay their bills manually and still forget half of them.
That’s like setting up your own financial booby trap.
You, on the other hand, can make it easy: set it and forget it.
Automatic payments keep you consistent and make sure you’re paying more than just interest.
And here’s a pro move. Add an extra $20–$50 to each payment.
That small boost chips away at the balance like a Miami wave, smoothing out the sand.
Ever notice how much peace of mind costs? Usually less than a missed payment fee.
👉 Here's How You'll Do It: Log into your online banking or loan account, set up autopay with an extra fixed amount above the minimum each month, and forget the late-night “Did I pay that?” panic.
Bonus Tip: Keep Your Payoff Plan Simple and Fun
You’ve got your payments rolling automatically, but keeping track of everything can still feel like juggling flaming torches while blindfolded.
That’s where a simple visual plan changes the game.
You know that satisfying feeling when you cross something off a list? Multiply that by ten every time you see your debt total drop.
The trick is turning a boring process into something you actually enjoy doing (yes, that’s possible).
Here’s where Undebt.it comes in clutch. It’s a free online tool that helps you organize your debts, pick your payoff strategy, and literally see your progress like a scoreboard.
Thousands of people swear by it because it turns debt payoff into a game you can win. And let’s be honest, nothing feels better than seeing those numbers fall week after week.
👉 Here's How You'll Do It: Create a free account on Undebt.it, plug in your debts, and pick a payoff plan (like Avalanche or Snowball) so you can track your progress automatically.
4. Earn Extra Money to Pay Off Debt Faster
If your income isn’t cutting it, it’s time to add another stream.
No, you don’t need to become the next TikTok mogul (unless you want to).
You can start small. Freelance gigs, selling stuff online, or even picking up weekend work.
Every dollar from a side hustle isn’t “fun money”; it’s freedom money.
That’s how you shorten your timeline from “five years of debt” to “just a few months.”
Because while others complain about being broke, you’re quietly stacking wins.
Feels good, doesn’t it?
👉 Here's How You'll Do It: Try freelancing on Fiverr, flipping items on Facebook Marketplace, or delivering with DoorDash, then put 100% of that income straight toward your highest-interest debt.
5. Avoid Taking On Any New Debt
It’s tempting to think, “Well, just one more card won’t hurt.” Spoiler: it will.
Every new loan or credit card you open just resets the clock on your financial freedom.
You’re trying to escape debt, not redecorate it.
Focus on using the money you already have instead of chasing quick fixes.
If you don’t have the cash for something, that’s your sign to wait, not swipe.
When you commit to zero new debt, you stop digging and finally start climbing out.
The fastest way to get out of the hole? Stop adding dirt.
👉 Here's How You'll Do It: Freeze your credit cards (literally), and use a simple budgeting tool like Rocket Money to track spending only with what you earn.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
