The 90-Day Plan to Get Out of Debt

Do you dread opening your statements? Do you keep paying and paying while your balances barely move? This isn’t a book to read, it’s a workbook to do. For 90 days, you’ll get one concrete task each day, 10 to 20 minutes long, to take control of your debt step by step.

In 90 days, you’ll stop adding debt, build a payoff plan, save a starter emergency fund, negotiate with your lenders, find extra money, pay less interest and watch your balances fall. If your debts are small, you can wipe them out completely.

What’s inside:

Phase 1, Days 1 to 30: face your debt, build your budget and choose your method

Phase 2, Days 31 to 60: negotiate, find extra money and cut the biggest expenses

Phase 3, Days 61 to 90: speed up payments, protect your progress and build lasting habits

The snowball and avalanche methods explained with examples

Scripts for calling your lender and asking for a lower rate

How to avoid “debt relief” scams

Worksheets to fill in or print

A debt thermometer and progress bars to color in

A 90-day tracker and payment log

This book is educational and does not replace advice from a financial professional.

Digital PDF book, 47 pages.

Author: Juan Coss