Simple Cents Studio
Debt-Free Blueprint
A 12-month plan to pay off five figures without eating rice and beans
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Digital Ebook
Debt-Free Blueprint
A 12-month plan to pay off five figures without eating rice and beans
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What's inside
A 12-month framework for paying down credit card and student debt: audit what you owe, choose between avalanche and snowball, use ready-made scripts to ask for a lower APR, and build guardrails for the weeks it gets hard. Disclaimer: Educational content only. Not financial, legal, or credit-counselling advice. Results depend on your income, rates, and circumstances, and no payoff timeline is guaranteed.
Table of contents
- 01The audit: knowing exactly what you owe
- 02Avalanche vs snowball (and when to break the rules)
- 03Negotiating your interest rates
- 04The joyful-frugality framework
- 05Handling setbacks without spiraling
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- Printable worksheets and trackers
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