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Start with clarity. List out every debt—balances, interest rates, and minimum payments. Choose a method: either the Debt Snowball (paying smallest to largest) or Debt Avalanche (highest interest first). More importantly, start with your “why.” Ask yourself: What kind of life do I want, and what’s debt holding me back from?

Just book a free coaching session above and we’ll get started with a personalized roadmap.

Because debt is more behavioral than mathematical. If you don’t change your spending habits or mindset, it’s easy to slide back. Emotional spending, lifestyle pressure, and lack of planning are all common triggers. Lasting change starts with self-awareness.

Build a small emergency fund first ($1,000–$2,000). Then, pause aggressive saving and focus fully on debt. This builds urgency and trains you in the discipline that will later fuel wealth building.

It’s best to pause credit card use. Relying on cash or debit helps break the swipe-now, stress-later cycle and promotes mindful spending.

Use the Debt Snowball Method for momentum or Debt Avalanche to save on interest. Automate extra payments and cut non-essentials. The real key is consistency and a strong commitment to changing your habits—not just your budget.

While every journey is different, clients often feel clarity and motivation after just one session. Ongoing progress depends on your goals and follow-through.

Debt consolidation manages symptoms. Coaching helps you address root habits, build new systems, and create lasting change.

Usually not. It treats symptoms, not causes. Without behavior change, consolidation often leads to even more debt. Focus instead on personal discipline and sustainable budgeting.

Yes! Career coaching is one of our top services—from resume help to identifying a fulfilling career path.