Get Out of Debt Without Drowning

A simple and realistic strategy to pay off your credit cards

If you feel like your credit card payments are overwhelming you, you don’t need a complicated solution… you need a clear and sustainable plan.

The Solution: 3 Key Steps

1. OrganizeList all your credit cards, balances, interest rates, and minimum payments.

2. Prioritize (choose one strategy)🔹 Snowball Method: Pay off the smallest debt first (quick motivation)🔹 Avalanche Method: Pay off the highest interest debt first (saves more money)

3. AutomateSet a fixed monthly payment (even $50 extra helps) and automate it.

Golden Rule

The best plan is not the fastest…it’s the one you can maintain every month.

Quick Recommendation

After covering your basic expenses:

Use 10%–20% to pay off debt faster

SIMPLE SUGGESTED MONTHLY PAYMENT CALCULATOR

You can use this formula:

Step 1 — Net monthly incomeStep 2 — Subtract basic expenses:

• Housing

• Food

• Transportation

• Utilities

  
  

Stop using your credit cards temporarily.

If you keep using them, the plan won’t work.

Need Help?

Every situation is different.

I can help you create a clear payment

plan based on your income.

Contact us today:

813-522-9745 | 813-403-1724

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