What's Included
Full Debt Review
A complete breakdown of all your debts — balances, interest rates, minimum payments, and payoff timelines.
Customized Payoff Strategy
A realistic, step‑by‑step plan using proven methods like the Snowball or Avalanche approach.
Interest Reduction Opportunities
Identify ways to reduce interest, consolidate, or restructure payments.
Monthly Payment Planning
Determine exactly how much to pay toward each debt based on your budget.
Budget Integration
Your debt plan is aligned with your real income, bills, and lifestyle.
Progress Tracking Tools
Simple charts or trackers to help you stay motivated and see your progress.
Accountability & Support (Optional)
Stay on track with monthly or quarterly check‑ins.
Add-On Services
Monthly Accountability Check‑Ins
Stay on track with monthly reviews and adjustments.
Quarterly Financial Check‑Ups
Perfect for people with changing income or goals.
Credit Score Improvement Guidance
Simple steps to improve your credit over time.
Savings Strategy
Build an emergency fund while paying off debt.
Budget Creation
Add a custom monthly budget to support your debt plan.
How It Works
1. Free Consultation
We discuss your debt, goals, and financial situation.
2. Debt Review
You provide your balances, interest rates, and payments.
3. Strategy Creation
I build a personalized payoff plan that fits your budget.
4. Implementation & Support
We set it up together and adjust as needed.