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Get Your Debt Under Control

See the whole picture, then pay it down in an order that makes sense

Main guide, page 1
Main guide, page 2
Main guide, page 3
Toolkit, page 1
Toolkit, page 2

Debt feels heaviest when you cannot see all of it. Put every balance on one page, choose a payoff order on arithmetic instead of panic, and follow a monthly routine that makes the progress visible.

You get: the 30-page guide, worksheets and an Excel tracker with a payoff simulator.

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Three files included
  • 01The main guideTells you what to do, in orderPDF · 30 pp
  • 02The Debt Reset ToolkitHelps you make the decisionsPDF
  • 03Debt Reset TrackerKeeps the numbers and your progressExcel

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Sound familiar?

You know it is bad. You do not know exactly how bad.

The balances live in different apps, the due dates are scattered across the month, and every payment seems to disappear. Avoiding the numbers makes them feel bigger than they are, and the minimum payment quietly keeps you exactly where you started.

The shift

Where you are now, and where you will be

  1. Right now Balances spread across apps you avoid opening After the guide One page with every debt on it
  2. Right now Paying minimums and wondering why nothing moves After the guide A payoff order chosen on cost, not panic
  3. Right now One missed payment turns into a spiral After the guide A plan for the month a payment goes wrong
  4. Right now No idea when this ends After the guide A date you are working towards

What you get

Three files that work together

The guide tells you what to do. The worksheets help you decide. The tracker keeps the numbers, so you can see the progress.

I'm Drowning in Debt — main guide cover
File 1

Tells you what to do, in order

The main guide

One page with every debt on it, a payoff order chosen on cost rather than panic, and a monthly routine that shows progress you can actually see. By the end of the...

  • Start with the full debt picture
  • Protect essentials before extra payments
  • The minimum payment trap
  • Debt types are not equal
  • and 24 more chapters

PDF · 30 pages

The Debt Reset Toolkit — bonus toolkit
Included

Helps you make the decisions

The Debt Reset Toolkit

Ten fill-in worksheets that turn the guide into paperwork you can actually complete.

  • Complete debt inventory
  • Debt priority scorecard
  • Bare-bones budget builder
  • Monthly debt payment calendar
  • Creditor contact and negotiation sheet
  • Snowball vs avalanche planner
  • Extra money allocation sheet
  • Emergency buffer builder
  • Monthly debt progress review
  • My 90-day debt roadmap
Debt Reset Tracker — Excel tracker preview
Included

Keeps the numbers and your progress

Debt Reset Tracker

The spreadsheet that keeps the plan honest: every balance, every payment, and a simulator that shows what one extra payment does to your end date.

  • Start here: the workflow, the colour key and how the simulator works
  • Dashboard with live payoff charts
  • Debt inventory with rates, minimums and due dates
  • Strategy Lab: compare snowball and avalanche side by side
  • Monthly payment plan and payment log
  • Cash-flow guardrail, so payoff does not break the month
  • Monthly review that snapshots every balance so progress stays visible
  • Simulation engine: test an extra payment before you make it

Chapter by chapter

What is in the guide

Start with the full debt picture

Protect essentials before extra payments

The minimum payment trap

Debt types are not equal

Stop the bleeding: no new debt rules

Snowball vs avalanche

Build your debt payoff order

Talk to creditors before things break

Show all 28 chapters Show fewer chapters

Your 30-day debt reset

Interest rates decide the real cost

Extra payments create momentum

Build a bare-bones budget

Find debt money without punishing your life

Missed payments: act early

Collections are not the end

Automate what protects you

Your debt tracker should be simple

Protect your emergency buffer

The monthly debt review

When consolidation helps, and when it does not

Debt payoff mistakes to avoid

Use windfalls without wasting them

Stay motivated without burning out

When to ask for debt help

Debt and relationships: talk before it becomes tension

Your next 90 days after the reset

Life after debt: keep the system

Your debt reset action plan

Before you decide

What you will be able to do

  • How to build a complete debt inventory, including the ones you avoid looking at
  • Why the interest rate, not the balance, usually decides what to pay first
  • Snowball or avalanche: how to choose without arguing about it
  • How to find payoff money without making your life miserable
  • What to do the moment a payment is missed, and how to talk to creditors before things break
  • When consolidation genuinely helps, and when it just moves the problem around

This is for you if

  • You have more than one debt and no clear order to pay them in
  • You are making payments but the balance barely moves
  • You want a plan you can follow, not a lecture

It is probably not for you if

  • You need regulated debt counselling or insolvency advice
  • You are looking for a way to borrow more
  • You already have a payoff plan that is working
  • FormatPDF + Excel
  • Guide length30 pages
  • Reading timeabout 45 min
  • LanguageEnglish
  • Edition2026 Edition
  • DeliveryDownload after checkout

After you buy

From checkout to page one in two minutes

  1. 01

    Pay once

    Card or PayPal at checkout. No account needed, nothing renews.

  2. 02

    Download straight away

    The link is on your order confirmation page and in your inbox a minute later.

  3. 03

    Open anywhere, keep for good

    The PDFs open on any phone, tablet or computer. The tracker works in Excel, Numbers and Google Sheets.

Before you buy

Questions people ask first

Is anything posted to me?

No. This is a digital download. The cover images are mockups of what the files look like, not an object that arrives.

What do I need to open the tracker?

It is an .xlsx file: Excel, Numbers on a Mac and Google Sheets all open it. The guide and the worksheets are PDFs and open anywhere.

Does this guide get updated?

Guides are revised when something in them stops being accurate. If you own this one, email us with your order number and we send you the current edition at no cost.

What if something goes wrong?

If a file is damaged, a download does not work, or the guide is not what this page described, email us within 14 days and you get your money back in full. Full terms are in the refund policy.

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