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Debt-Free Life Goals
Debt
-
Free
Life
Goals
P HAS E
0 1
Get
the
whole
picture
Week
1
1
Write
down
the
exact
total
Every
card
,
loan
,
medical
balance
and
buy
-
now
-
pay
-
later
plan
,
added
into
one
figure
.
Most
people
carry
debt
for
years
without
ever
knowing
what
it
sums
to
.
2
Put
the
interest
rate
next
to
every
balance
Then
sort
highest
to
lowest
.
The
rate
is
what
is
actually
costing
you
money
—
not
the
size
of
the
balance
.
3
Calculate
your
minimum
monthly
debt
payment
The
amount
you
must
survive
on
before
a
single
extra
dollar
toward
debt
is
possible
.
This
is
your
floor
,
not
your
target
.
4
Find
your
true
monthly
take
-
home
Not
your
salary
.
What
actually
lands
in
the
account
after
tax
,
withholding
and
deductions
,
averaged
over
three
months
.
5
Set
a
payoff
date
you
can
defend
Write
the
month
and
the
year
. "
Someday
"
is
not
a
date
,
and
vague
dates
are
never
met
.
6
Pull
your
credit
report
and
read
it
Check
for
accounts
you
don
'
t
recognise
and
errors
that
are
inflating
your
rates
.
Disputes
are
free
and
take
one
letter
.
7
Name
the
one
debt
that
bothers
you
most
Emotional
weight
matters
here
.
The
account
you
hate
is
often
the
right
one
to
attack
first
,
even
if
the
math
says
otherwise
.
1 / 5
P HAS E
0 2
Build
the
floor
Months
1–3
8
Save
$
1,000
in
cash
before
you
attack
anything
This
buffer
is
what
stops
a
brake
job
or
an
emergency
vet
visit
from
becoming
a
new
credit
card
balance
.
9
Put
every
fixed
bill
on
autopay
Late
fees
are
the
most
avoidable
debt
that
exists
.
Automate
rent
,
utilities
,
insurance
,
phone
and
minimums
.
10
Cut
the
subscriptions
you
can
'
t
justify
Rule
:
if
you
can
'
t
say
when
you
last
used
it
,
it
goes
.
Ten
small
charges
a
month
is
a
debt
payment
you
'
re
choosing
not
to
make
.
11
Move
to
one
card
and
keep
it
out
of
your
wallet
Not
necessarily
cancelled
—
physically
inconvenient
.
The
gap
between
wanting
something
and
being
able
to
pay
for
it
is
the
whole
game
.
12
Tell
one
person
your
plan
Debt
stays
comfortable
when
nobody
knows
about
it
.
Say
the
total
out
loud
to
one
person
you
trust
.
13
Set
a
budget
you
can
run
in
twenty
minutes
A
Sunday
-
evening
version
you
'
ll
actually
keep
.
A
perfect
budget
you
abandon
in
week
three
is
worth
less
than
a
rough
one
you
maintain
.
2 / 5
P HAS E
0 3
Run
the
payoff
Months
3–36
14
Pick
a
payoff
method
and
stop
re
-
deciding
Avalanche
—
highest
interest
rate
first
,
saves
the
most
money
.
Snowball
—
smallest
balance
first
,
produces
the
fastest
wins
.
Both
work
.
Switching
every
month
does
not
.
15
Make
one
extra
payment
every
single
month
Even
$
50.
In
month
one
the
amount
barely
matters
;
the
habit
does
.
16
Keep
minimums
current
on
everything
else
One
late
payment
can
reset
a
promotional
rate
and
undo
several
months
of
progress
in
a
single
cycle
.
17
Send
every
windfall
to
the
focus
debt
the
day
it
arrives
Tax
refunds
,
bonuses
,
sold
furniture
,
birthday
money
.
Windfalls
that
sit
in
checking
for
two
weeks
become
dinners
.
18
Call
one
creditor
per
quarter
and
ask
for
a
lower
rate
A
five
-
minute
call
with
a
script
.
The
answer
is
"
yes
"
far
more
often
than
people
assume
,
and
it
costs
nothing
to
ask
.
19
Refinance
anything
above
15%
APR
If
your
credit
has
improved
since
you
opened
the
account
,
the
terms
you
'
re
on
no
longer
reflect
who
you
are
.
20
Move
high
-
interest
balances
to
0%
only
if
you
'
ll
clear
them
inside
the
window
Do
the
transfer
fee
math
first
.
A
balance
transfer
is
a
tool
,
not
a
win
—
and
an
unrepaid
one
becomes
a
new
balance
at
a
higher
rate
.
21
Track
the
total
every
month
,
in
writing
The
number
going
down
is
the
actual
motivation
.
Don
'
t
rely
on
remembering
it
.
22
Pre
-
decide
what
happens
in
your
worst
week
One
planned
takeout
night
beats
an
abandoned
budget
.
Write
the
rule
down
before
the
week
that
breaks
you
arrives
.
23
Add
one
income
stream
,
even
a
small
one
$
300
a
month
won
'
t
change
your
life
on
its
own
.
$
300
a
month
sent
straight
at
debt
for
two
years
will
.
3 / 5
P HAS E
0 4
The
day
it
hits
zero
The
month
you
finish
24
Pay
the
last
balance
and
screenshot
the
$
0
You
will
want
it
later
,
on
the
days
you
'
re
tempted
to
start
over
.
25
Change
nothing
for
thirty
days
Lifestyle
creep
comes
back
faster
than
the
debt
left
.
Give
the
new
normal
a
month
to
settle
before
you
spend
differently
.
26
Automate
the
former
payment
into
savings
on
the
same
date
it
used
to
leave
Same
date
,
same
amount
,
new
destination
.
You
never
built
a
life
around
money
that
was
yours
—
keep
it
that
way
.
27
Stay
off
new
credit
for
six
months
Long
enough
to
feel
what
living
without
a
monthly
payment
actually
feels
like
,
before
you
decide
what
to
do
with
it
.
28
Write
a
short
letter
to
your
future
self
What
you
gave
up
,
what
it
cost
you
,
and
the
one
thing
you
'
re
not
doing
again
.
Seal
it
and
date
it
.
P HAS E
0 5
Stay
free
Years
1–10
29
Build
a
full
emergency
fund
Three
to
six
months
of
actual
expenses
,
held
in
cash
,
not
invested
.
This
is
the
wall
between
you
and
the
debt
you
just
left
.
30
Keep
exactly
one
credit
card
,
paid
in
full
every
month
—
or
keep
none
What
you
cannot
do
is
keep
five
.
If
the
card
changes
your
behaviour
,
it
isn
'
t
worth
the
points
.
31
Run
an
annual
debt
audit
One
evening
a
year
:
what
you
owe
,
to
whom
,
at
what
rate
.
Debt
grows
fastest
in
the
accounts
you
stop
checking
.
32
Draw
a
hard
line
:
no
new
debt
except
a
mortgage
And
for
the
mortgage
,
a
payment
under
25%
of
take
-
home
pay
.
Write
the
line
down
while
you
'
re
calm
.
33
Pay
cash
for
cars
,
furniture
and
travel
Save
first
,
buy
later
,
every
time
.
A
depreciating
asset
on
a
payment
plan
is
the
most
expensive
thing
in
this
list
.
34
Set
up
sinking
funds
so
nothing
surprises
you
Car
maintenance
,
holidays
,
insurance
premiums
,
annual
renewals
.
Budget
them
monthly
and
they
stop
being
emergencies
.
4 / 5
P HAS E
0 6
What
the
freedom
is
actually
for
The
point
of
all
of
it
35
Take
a
trip
without
checking
a
balance
first
Book
it
,
go
,
and
come
home
to
nothing
new
waiting
in
the
mail
.
36
Work
one
job
instead
of
two
Give
back
the
evenings
.
They
were
the
real
interest
you
were
paying
.
37
Save
at
least
15%
of
income
for
retirement
The
money
that
used
to
leave
as
a
payment
now
leaves
as
a
contribution
—
to
an
account
with
your
name
on
it
.
38
Buy
a
home
on
your
own
terms
Approved
on
your
savings
and
your
timeline
,
not
on
how
much
a
lender
is
willing
to
hand
you
.
39
Go
freelance
,
part
-
time
,
or
start
the
business
Debt
decides
what
jobs
you
can
say
no
to
.
Without
it
,
the
calculation
changes
completely
.
40
Take
a
real
sabbatical
Three
months
unpaid
is
terrifying
with
payments
and
entirely
reasonable
without
them
.
41
Sleep
through
the
night
without
a
payment
in
your
head
Hard
to
put
on
a
spreadsheet
.
Easier
to
notice
once
it
'
s
gone
.
42
Say
yes
to
the
trip
,
the
dinner
,
the
wedding
Without
running
the
arithmetic
first
,
and
without
the
quiet
guilt
that
follows
.
43
Give
money
away
without
checking
whether
you
can
A
standing
monthly
gift
to
something
you
care
about
,
budgeted
and
automatic
.
44
Leave
something
behind
that
isn
'
t
a
balance
Whatever
you
want
that
to
be
—
a
house
,
a
fund
,
a
business
,
a
clean
slate
for
someone
else
.
The
point
of
finishing
is
deciding
what
comes
next
.
5 / 5
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