The Debt Triage Kit

The Debt Triage Kit: A 24-Hour Plan to Stop the Panic and Fix Your Finances Are there envelopes on your counter that you are physically afraid to open? Do you feel a knot in your stomach every time your phone rings because it might be a collector? Are you tired of "financial experts" telling you to invest in stocks when you can barely afford groceries? If you answered "Yes," stop scrolling. You have found the right place. You are currently experiencing Financial Triage. You don't need a 300-page textbook on macroeconomics. You don't need a lecture about how you "shouldn't have bought that car." You need a tourniquet. You need to stop the bleeding, clear the fog, and regain control of your life—and you need to do it fast. Welcome to The Debt Triage Kit. This is not a book about getting rich. It is a battle plan for the financially terrified. Written with zero judgment and plenty of tough-love humor, this guide is designed to be read and implemented in a single weekend. By Sunday night, you will go from "Panic Mode" to "CEO Mode." What You Will Accomplish in 24 Hours: In this actionable ebook, we strip away the jargon and focus on immediate survival tactics. You will learn: ? How to Conquer the "Scary Pile": A step-by-step psychological trick to open your past-due bills without having a panic attack. We turn the monster in your head into a simple math problem. ? The "Triage Call" Scripts: Terrified to talk to the bank? I've included word-for-word scripts you can read to creditors to negotiate lower interest rates, wave late fees, and set up hardship plans. No stuttering required—just read the lines. ? Vampire Hunting: How to identify and cut the "silent killer" subscriptions and hidden fees that are draining your account while you sleep (and how to save $100+ this week alone). ? Snowball vs. Avalanche: Finally understand the two debt payoff strategies and pick the one that fits your brain type so you don't quit after three weeks. ? The $1,000 Weekend: Creative, legal, and fast ways to scavenge money from your own home to build a baby emergency fund immediately. Who Is This Book For? The Overwhelmed Parent: Who wants to provide for their kids but feels crushed by credit card interest. The Recent Grad: Drowning in student loans and confused by the paperwork. The "Ostrich": Someone who has been hiding from their finances for months and needs a safe, gentle way to start looking at the numbers again. The Paycheck-to-Paycheck Warrior: Who has 10 days left until payday and only $50 in the bank. Why This Guide is Different Most personal finance books are "Vitamins"—they are good for you in the long run. The Debt Triage Kit is a "Painkiller." It addresses the immediate pain you are feeling right now. It addresses the anxiety. It addresses the shame. It tells you exactly what to do, hour by hour, to stabilize your situation. Stop letting money ruin your sleep. The monster is never as scary once you turn the lights on. This book is the light switch. What Readers Are Saying (Beta Testers): "I was literally shaking when I opened my bills. This book made me laugh, calmed me down, and helped me find $200 I didn't know I had." "Finally, a finance book that doesn't make me feel stupid. The phone scripts alone are worth 10x the price."