
• Facing your debt honestly (inventory, credit report checks)
• The mindset shift for sustainable payoff
• Building a budget that supports the plan
• Snowball vs. avalanche vs. hybrid strategies
• Finding extra money (cutting expenses, boosting income)
• Negotiating with creditors and consolidation options
• Common traps that derail progress
• Staying debt-free and building wealth afterward
• A worksheet appendix with a blank debt inventory and checklist