Ready to Climb out of the Hole??
1. The Pause Rule (stop money leaks before they happen) Purpose: make every “small buy” a choice, not a reflex. Use a 24 hour pause for anything that is not food, gas, or bills. If you still want it tomorrow, you can buy it. Friction to watch for: boredom spending and stress spending. Those feel like “I deserve this,” but it adds up quietly. Micro example: you want takeout after a rough day. Pause, make a fast meal at home, and put the same amount on a note called “buffer.” You still get a reward, but future you wins too. This tactic works because it breaks the rush. You get your power back without needing willpower all day. Do this now: write “pause 24 hours” on your lock screen, and use it once today. Quick checklist - Is this a need this week, or a want today? - Can I wait 24 hours without harm? - What is the cheaper substitute that still feels good? 2. One Call a Week (lower a bill, every week) Purpose: shrink your monthly bills with one repeatable action. Pick one bill each week, phone, internet, insurance, utilities, or medical. Call and ask for the cheapest plan, hardship options, or a payment plan. Friction to watch for: feeling awkward, getting bounced, or giving up after “no.” Most savings come from the second try, or the second rep. Micro example: “I want to keep paying, but I need a lower monthly cost. What is the lowest plan you can move me to today?” If they say no, ask, “What would need to be true for a lower rate?” Write down the offer, the date, and the next step. That turns a call into progress. Do this now: choose one bill, set a 15 minute timer, and make the call. Quick checklist - Ask for the cheapest plan - Ask for hardship or discounts - Ask to move the due date to after payday 3.The Fixed Cost Swap (win back money before you hustle) Purpose: free cash by changing one fixed cost, not working more hours. Choose one: phone plan, car insurance, subscriptions, or bank fees. Your goal is one swap, not a full life makeover. Friction to watch for: “I will do it later” and confusing plan options.