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How to Get Out of Debt: A Step-by-Step Plan
Debt inventory, snowball vs avalanche, creditor negotiations and rebuilding credit, all grounded in Federal Reserve data and real dollar figures.
Finance Minimal · 43 pages · in English
What's inside
The complete table of contents: exactly the chapters and sections you'll find in the file.
Chapter 1
Facing the Real Number
- Why Avoidance Makes the Problem Bigger
- Building the Debt Inventory
- Check Your Credit Report for What You're Missing
- What the Numbers Are Actually Telling You
- Separating the Debt From the Feeling About the Debt
- Keeping the Inventory Alive
Chapter 2
Build the Buffer First
- Why a Cushion Comes Before the Sprint
- Sizing the Starter Fund
- Where the Money Should Live
- Building It Faster With Money You Already Have
- A Cash Buffer Beats an Available Credit Line
- What to Do Once the Buffer Is Built
Chapter 3
Choose Your Method and Run the Math
- The Debt Avalanche
- The Debt Snowball
- Comparing the Two Methods
- Running the Numbers on Your Own Debts
- Consolidation: Tool or Trap
Chapter 4
Free Up Real Money
- A Budget Built Around Payoff, Not Around Guilt
- Negotiating the Bills You Already Have
- Cutting Without Misery
- Shopping Insurance and Utilities Once a Year
- When Cutting Isn't Enough
Chapter 5
Deal With Creditors Directly
- Calling Before You're in Trouble
- Nonprofit Credit Counseling
- The For-Profit Debt Settlement Trap
- If a Debt Has Already Gone to Collections
- Red Flags Worth Memorizing
- When Bankruptcy Is the Honest Answer
Chapter 6
Stay the Course and What Comes Next
- Tracking Progress in a Way That Actually Motivates
- Handling a Bad Month Without Abandoning the Plan
- Protecting Your Credit Score While You Pay Down Debt
- Guarding Against Lifestyle Creep
- Where the Money Goes After Debt Is Gone
Look inside
The cover and the first pages of chapter one (from p. 5). Raw renders from the final PDF, unretouched. Click to enlarge.
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