Broke No More - The Step-by-Step Plan to Get Out of Debt and Stay Out

Most people in debt know they're in debt. Very few know exactly how much, at what interest rates, or what it's actually costing them per month. That gap between "roughly" and "exactly" is where the anxiety lives — and where the plan gets built.

This guide starts where most financial advice refuses to: with a complete, clear-eyed look at the numbers. From there, it walks you through the two proven debt payoff methods (and how to choose the right one for your psychology, not just your math), how to find extra money in your budget without extreme sacrifice, how to negotiate with creditors in ways most people don't know are possible, and how to build the habits that keep you out of debt once you're out.

Inside: the true cost of minimum payments, the snowball vs avalanche method explained honestly, zero-based budgeting, your legal rights with debt collectors, when debt consolidation helps and when it makes things worse, and a month-by-month action plan from your first extra payment to your last.