Managing debt is hard enough without income that changes every month. This practical ebook and workbook teaches you to build a sustainable debt payment strategy based on what you can actually guarantee yourself, not wishful thinking.

You’ll learn how to calculate your personal payment floor—the amount you can safely commit to creditors every single month, even during slow months. The workbook guides you through analyzing your dependable cash flow, essential expenses, available reserves, and creditor requirements so you can create a realistic, confident payment plan.

What you get:

• Complete ebook with step-by-step methodology
• Worksheets to calculate your payment floor
• Template for analyzing monthly cash flow patterns
• Guide to creditor requirements and negotiation
• Action plan for building payment confidence