Stop “Preparing” to Get Out of Debt

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Nov '25 • Acountabilty and Encouragement

Let me ask you something…

How long have you been “preparing” to get out of debt?

Six months? A year? Three years?

How many YouTube videos, podcasts, or credit repair guides have you consumed, telling yourself, “I just need to learn a little more before I start”? How many budgeting apps have you downloaded, thinking, “This will be the one that finally gets me to do it”?

Here’s the uncomfortable truth:

You might be procrastinating. And that procrastination is costing you more than you realize. Let me show you the math. Let's say you start your Debt Snowball System THIS WEEKEND. You build momentum, make your first extra payment, and within 3–6 months, your credit score jumps 40+ points. You feel lighter, confident, free. Now, let’s say you wait. You tell yourself, “I’ll start when I have more money." You keep juggling payments, paying interest, and watching balances barely move. Three years from now, you finally take action. That delay could literally cost you tens of thousands of dollars in interest, stress, and lost opportunities.

Not to mention:

The peace of mind you could have had

The savings you could have built

The freedom that comes from knowing you’re finally in control

Gone!

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