💔 Break up With Debt

Let’s get into it. I’ll kick things off by helping you shift your mindset and get clear on what this course will cover. Spoiler alert: this isn’t about shame. This is about strategy, power, and freedom.

Before you make a plan, you need to know what you’re working with. This lesson helps you take inventory of your balances, interest rates, and minimum payments so you can get the full picture and stop avoiding the numbers.

Time to do the math. I’ll walk you through how to calculate two of the most important numbers in your financial life: your credit utilization and your debt-to-income ratio. These aren’t just for lenders. They help you stay in control.

Buy now, pay later might sound cute, but it’s not the free money hack people think it is. In this lesson, I’ll break down the hidden costs, how it can wreck your budget, and what to do instead.

Let’s make a real plan. I’ll guide you through the debt snowball and avalanche methods, how to choose the one that works best for you, and how to structure a payoff plan you can actually stick to.

Yes, you can negotiate your way to less debt. I’ll show you how to talk to lenders, request lower interest rates, and possibly settle debts for less than you owe. You have more power than you think.

Time to take action. I’ll give you a checklist of what to do right now to start reducing your debt. No fluff, no confusion. Just real steps that get you closer to financial peace.