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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 — 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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