Debt-Free Living: Strategies to Eliminate Debt Fast
If you have a few balances you keep meaning to deal with and no real plan for them, this guide gives you one. It walks you through listing every debt you owe, picking a payoff method that suits how your brain works, and finding the extra money to throw at it. The tone is light and funny, but the steps are practical ones you can start the same day.
What's inside
- The main types of debt explained plainly: consumer, student loan, mortgage, auto, medical and payday loans
- How to build a debt inventory listing each creditor, balance, interest rate and minimum payment
- Working out your debt-to-income ratio and what it tells you
- The snowball method: paying smallest balance first for motivation and momentum
- The avalanche method: attacking the highest interest rate first, and how to choose between the two
- Budgeting basics including the 50/30/20 rule, the envelope system and zero-based budgeting
- Boosting your income with gig work, freelancing, selling skills and clearing out things you no longer use
- How to ask a credit card company for a lower rate or a waived fee, and student loan repayment options
- Avoiding debt traps, spotting predatory lending, and building a three to six month emergency fund
Details
- PDF, 38 pages
- Instant digital download
- Read on any device, or print it
- For personal use
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