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EXCELLENCE MONEY
Get Out of Debt for Good
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List every debt, choose a payoff strategy that fits your math and your motivation, cut the cost, know your rights, and build a buffer so you stay out.
2h 56m5 constellations
01List every debt and see what it really costs
02Choose avalanche, snowball or a mix, and concentrate your payments
03Negotiate a lower rate, weigh consolidation and spot scams
04Use your rights with collectors, check your credit, and build a buffer
Every lesson of Get Out of Debt for Good
15 lessons in 5 levels, about 3 hours. Level 1 is free.
Level 1See the Whole PictureFree · 3 lessons
- Put every debt on one pageList every debt with its balance, rate and minimum, and see what it costs each month.12 min
- Debt and how you feelUnderstand the link between debt and mental health, and why asking for help is part of the plan.11 min
- Checkpoint: the most expensive debtSpot the costliest debts, and stop rolling over the ones that grow fastest.12 min
Level 2Choose Your Payoff StrategyMembership · 3 lessons
- Avalanche or snowball?Compare paying the highest rate first with paying the smallest balance first: math and motivation.12 min
- Don't spread it thinNotice the instinct to split payments by balance, and concentrate instead.11 min
- Checkpoint: your debt-free dateCalculate when a debt will be gone at your payment, and what the interest will cost.13 min
Level 3Cut the Cost of DebtMembership · 3 lessons
- Call before they call youAsk your lender for a lower rate or a payment plan: yourself, for free.12 min
- Consolidation: cheaper, or just longer?Check whether a consolidation loan really costs less, and what you could put at risk.12 min
- Checkpoint: real help, or a trap?Tell a good credit counselor from debt settlement risks and credit repair scams.12 min
Level 4Collectors and Your CreditMembership · 3 lessons
- Your rights with debt collectorsKnow what US debt collectors must tell you, when they can contact you, and how to make them stop.12 min
- Old debts and the clockHandle old or unfamiliar debts carefully, without accidentally restarting the clock.11 min
- Checkpoint: check your credit reportGet your free credit reports, check them for mistakes, and avoid paying anyone to do what you can do yourself.11 min
Level 5Debt-Free for GoodMembership · 3 lessons
- A buffer so surprises don't become debtBuild a small buffer alongside your payoff plan so the next surprise doesn't land on a card.11 min
- Free help, and the last resortKnow the official US routes for serious debt problems, and why bankruptcy comes last.11 min
- Capstone: your debt-free planPut your list, strategy, calls, rights and buffer into one plan with a date.13 min
AFTER THE CORE