Debt Detox: A Step-by-Step Plan to Tackle What’s Weighing You Down
Debt is heavy. It keeps you up at night, limits your choices, and drains your energy. But with the right system, you can take control and watch those balances shrink — without sacrificing everything you love.
Step 1: Face the Numbers
Avoiding your debt won’t make it go away. Write down each debt:
- Balance
- Interest rate
- Minimum payment
Knowledge is the first step to control.
PPC Tip: Use the Debt Tracker to keep everything in one place — no more guessing or avoiding.
Step 2: Pick Your Payoff Strategy
- Snowball Method: Pay off the smallest debt first for quick wins.
- Avalanche Method: Pay off the highest-interest debt first to save money long-term.
Both work — choose the one that motivates you most.
Step 3: Trim, Don’t Starve
Look for small adjustments (unused subscriptions, cheaper grocery swaps) that free up cash. But don’t cut all joy — that leads to burnout.
Step 4: Automate Payments
Set direct debits for minimums, then funnel extra cash to your target debt. Consistency is key.
Step 5: Celebrate Milestones
Paying off debt is a journey. Celebrate each card cleared or loan reduced — it reinforces progress.
Debt doesn’t define you. With a clear plan, consistency, and patience, you can detox your finances and reclaim your freedom.
Start tracking your payoff progress today with the Pretty Plans Co. Debt Tracker — because every win deserves to be seen.
