In just 25 pages, Crush Your Debt combines a no‑fluff six‑step playbook with motivational boosts and plug‑and‑play tools, guiding beginners from “overwhelmed” to a clear, actionable plan for becoming debt‑free—one focused payment and milestone celebration at a time.
 
How the Guide Is Organized
 
Section What you’ll learn
Introduction Why most households carry >$10 k in credit‑card debt and how this six‑step plan can break the cycle ​
Step 1 – Face the Numbers List every balance, APR, and minimum; includes “Jane’s Debt List” example • Action worksheet ​
Step 2 – Create a Budget & Free Up Cash Cut expenses, boost income, build a starter emergency fund • Realistic money‑finding tips ​
Step 3 – Pick Your Strategy Debt Snowball vs. Debt Avalanche—side‑by‑side pros/cons and decision guide ​
Step 4 – Take Action & Avoid New Debt Automate extra payments, roll “freed” dollars forward, and negotiate interest rates ​
Step 5 – Stay Motivated Milestone mindset, accountability hacks, low‑cost celebration ideas ​
Step 6 – Track & Celebrate Printable progress log and visual trackers to mark each win ​
Bonus tools Pages 18‑22: motivational quote sheet, online payoff‑date calculator walkthrough, and debt‑progress tracker template ​
Conclusion Pep‑talk recap and visualization of “Debt‑Free Day” benefits ​
Stand‑Out Features
Side‑by‑side Snowball vs Avalanche breakdown with concrete cost/time trade‑offs ​
 
Real‑world case study (“Jane”) shows numbers for each step, making the process tangible ​
 
Debt‑payoff time calculator demo illustrates how an extra $50–$100/month can shave years off repayment ​
 
Printable debt‑progress tracker helps readers log balances, payments, and milestone notes month‑by‑mont