A simple 12-week plan to choose your payoff order, direct extra money with confidence, and stay on track in under 20 minutes a week.
One payment. Instant access. No subscription, no recurring billing.
The 7-Chapter Method:
Name Your Cards, Not Your Shame — full card inventory with balance, APR, minimums, due dates
Pick the First Card, Not the Perfect Plan — 3-question payoff order
Send Minimums First, Not Leftover Anxiety — minimum payment map
Send Extra Money Where It Counts, Not Where It Feels Good — rule-based allocation
Check the Traffic Light, Not the Whole Weather — 3-color monthly spending check
Reset the Month, Not the Entire Plan — recover without restarting
Keep the Order, Not the Motivation — 12-week review cadence
What's included: Full ebook + card inventory worksheet + payoff order tool + minimum payment map + traffic light check + 12-week review system.
The promise: You'll finish with a written payoff order, a monthly payment plan, and a weekly review routine — in under 20 minutes a week.