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1. Know Exactly How Much You Owe
Debt feels like that one ex who keeps popping up when you least expect it.
You think you’re done with them… then boom, a credit card bill shows up.
That’s why the first step to getting your peace back is to know exactly how much you owe.
Not “around” how much. The real number. Down to the cent.
When you see it all laid out, the mystery disappears, and so does half the stress.
👉 Here's How You'll Do It: Log into every account (credit cards, loans, student debt) and write your balances in a free Google Sheet or use a tracking app like Undebt.it to keep it all in one place.
📌 SAVE IT FOR LATER! 📌
2. Make a Simple List of All Your Debts
Once you’ve faced the scary number, it’s time to make your debt list.
Think of it as your personal leaderboard. But in this game, the goal is to hit zero.
Include the name of each lender, total balance, minimum payment, and interest rate.
This list isn’t about judgment; it’s your map out of the maze.
Ever noticed how just writing things down makes them less intimidating? Yeah, that’s the trick here.
👉 Here's How You'll Do It: Use Undebt.it, Google Sheets, or even a plain notebook. List all debts clearly and mark the highest interest ones with a star so you know who’s eating the most of your cash.
3. Pick the Easiest Debt to Pay Off First
Alright, now you’ve got your list. Time to get strategic.
Start small. Pay off the easiest one first, even if it’s just a $200 balance.
Why? Because nothing beats the rush of watching that first balance hit zero.
That little win gives you momentum like nothing else.
Ever noticed how once you start cleaning one corner of your room, suddenly you’re deep-cleaning the whole house? Same vibe.
👉 Here's How You'll Do It: Pick your smallest debt and focus extra payments there while paying minimums on the rest. It’s the “snowball method,” and you can track your progress using Undebt.it (it’s free and easy).
Bonus Tip: Make Your Plan Easy To Stick to
After you pick the easiest debt to crush, you’ll want a simple way to see your progress.
Because, let’s be honest. Manually updating spreadsheets every week feels like doing taxes on a Saturday night.
That’s where smart tools come in to save your sanity and your time.
One of the best free ones out there is Undebt.it, a super-clean app that helps you build and follow your own payoff plan without all the math headaches.
You can plug in your debts, choose your strategy (like snowball or avalanche), and watch those balances drop in real-time. Which is weirdly satisfying, like watching your phone charge.
Thousands of people swear by it because it keeps them accountable and motivated. Which, IMO, is half the battle when you’re trying to get debt-free.
👉 Here's How You'll Do It: Sign up for free at Undebt.it, enter your debts, pick your payoff method, and let it handle the tracking automatically so you can focus on living your life, not crunching numbers.
4. Set a Monthly Payment You Can Afford
Here’s where most people mess up. They set goals that sound great but crush their budget.
Don’t make your payoff plan a punishment; make it realistic.
If you go too hard, you’ll burn out, grab takeout every night, and be back at square one.
Instead, pick a payment that feels doable and repeatable.
Consistency always beats intensity in the long game of money.
👉 Here's How You'll Do It: Calculate your disposable income after essentials using a free budget calculator like NerdWallet’s, then commit to a monthly amount you can actually keep paying without skipping.
5. Rinse & Repeat Until Every Balance Hits Zero
Now you’re in the rhythm. It’s like working out but for your wallet.
Each month, you’ll crush one more debt until you’re free.
Keep it simple: pay, track, celebrate, repeat.
Don’t let slow progress fool you; it’s still progress, and one day you’ll realize you haven’t thought about debt in months.
That’s the freedom everyone talks about, the one that feels earned.
👉 Here's How You'll Do It: Stick with your method using Undebt.it or your spreadsheet, and every time you pay something off, transfer that old payment toward the next balance for faster results.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
