The Debt Free Plan + Tracker

If you've been paying the minimum and hoping, avoiding your bank app or starting over every January, this is for you.

I paid off $60K+ of debt by finally looking at my numbers, choosing one debt at a time and tracking every win. I also spent 15 years as a financial advisor, and I saw the same thing at every income level: the people who get out of debt are the ones with a plan they actually follow.

This is that plan.

What's inside:

• Find your numbers: a money snapshot, your full debt list and a simple explanation of how interest is keeping you stuck

• Free up money: a spending leak audit, a subscription audit, a bare-bones budget and extra income ideas for moms

• Pick your plan: snowball vs. avalanche explained simply, plus your payoff order worksheet

• Your debt-free date: a payoff time table that shows how many months each debt will take, with no calculator needed

• Stay on track: 12 monthly check-ins, tick-off progress trackers for every debt, milestones and a year-end reflection

• Real-life support: a reset plan for when you slip, plus scripts for talking money with your partner

It's for you if: you're tired of feeling behind, you want a clear plan instead of more motivation, and you're ready to see the day your last debt is gone.

A 44-page fillable PDF you can type into on your phone, tablet or computer, or print out. You'll get it instantly.