Six weeks to map every balance, pick a payoff method, and get the first payments landing on schedule.
You are carrying credit cards or loans, you are not sure of the real total, and payments feel like they go nowhere.
A complete debt inventory, a chosen payoff order with dates attached, and at least one balance meaningfully reduced.
List every balance, rate, and minimum, then pull all three credit reports and dispute anything wrong.
Cut and renegotiate fixed costs to create the largest repeatable extra payment you can sustain.
Set the payoff order, automate the extra payment against the target balance, and lock in card habits that stop the balance growing back.
Each module is a full playbook you can work through on its own.
Document every debt balance, interest rate, minimum payment, lender, and estimated payoff timeline.
Obtain and review your credit reports to identify accounts, negative items, inaccuracies, and issues requiring attention.
Align paycheck timing, bills, transfers, spending, and savings to improve day-to-day cash flow.
Organize debt repayment by interest rate to prioritize the highest-cost debt first.
Manage credit cards responsibly through utilization awareness, statement review, due dates, payment habits, and account rules.
Create a structured plan to recover from damaged credit through payment consistency, debt management, utilization control, and error correction.
Challenge start dates go out to the list first. Join and you'll know when the next round opens.
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