How to Pay Off Debt Fast: A 12-Month Plan to Get Rid of Credit Card Debt, Pay Down Loans, and Break the Paycheck-to-Paycheck Cycle

You're not bad with money. You're drowning in a system that sets you up to fail. If you're overwhelmed by bills, minimum payments, collections, or payday loans… this book is your lifeline. Crush Your Debt (Even If You're Drowning) is a straight-talking, judgment-free guide for people who need real help with real debt. No budgeting apps. No shame. No "just stop spending on coffee" advice. Just proven strategies that actually work — even if your account is already overdrawn and you're avoiding your mail. Inside, you'll learn exactly how to take control of your money — even if you're months behind. You'll get a step-by-step breakdown of how to prioritize bills when you can't pay them all, deal with aggressive collectors, stop the debt snowball from growing, and take back your peace of mind. Whether you're buried under credit card debt, medical bills, personal loans, or all of the above — you'll find tools here that are simple, fast, and doable in real life. This book is made for the financial rock bottom moments — when you're scared, exhausted, and stuck. You'll learn how to cut through the noise, stop the bleeding, and get back to breathing. And once you're stable? You'll get tools to rebuild: a simple plan to stay on track, rebuild credit, and never feel this powerless again. If you've ever cried over a bill, panicked at the grocery store, or wondered if you'll ever get out of this hole — you don't need more guilt. You need a system that works, and a path forward that makes sense. Approx. length: 25,000 words Perfect for readers of The Total Money Makeover, You Need a Budget, The Financial Diet, and I Will Teach You to Be Rich — but written for real-world crisis mode.