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Financial Alignment: Getting Out of Debt 💸

First steps to Financial Alignment:

1. Get Clear On The Numbers

•List debt name, balance, minimum and interest rate

Create a simple list

This is your map

2. Make Your Budgets Match Your Paychecks

Write down what each check must cover (i.e. rent car food etc)

Call creditors to shift due date to align with your check dates - no paycheck overload

3. Stabilize Cash Flow

First priority is balance the budget

Trim: Subscriptions or Boost Income: side hustle, overtime, sell unused items

4. Stay Current on Everything

Always pay minimums - protects credit scores and avoids late fees

Even if you can't pay extra, you can stay current

5. Pick Your First Target

Snowball method (popular) - pay off debt smallest to largest

Avalanche method - attack the debt with highest interest rate

6. Negotiate with Creditors

Call or Send Letters to request (lower interest rates, hardship programs, and due date changes)

7. Build an Emergency Cushion

Savings that you do not touch

Stops you from running to credit cards

#financialfreedom #budget #budgeting #debtfree #moneysavingtips

2025/10/12 Edited to

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