Your Credit Card Debt Freedom
Action Plan

You're not bad with money, you just never had the right system.™ — Money Momma™
✦ CFP® Certified
Saved ✓
Before you start: Stop using the credit cards altogether — right now. If it's truly impossible to avoid all of them, keep only the one with the lowest interest rate for genuine emergencies. Everything else goes in the drawer.
1
Step One Analyze Your Debt & Interest

List every credit card you owe

Card / Lender Balance Owed ($) APR % Min. Payment ($)
Total Debt Owed $0.00

Key Questions to Answer

What is the total I owe across all cards? $0.00
Which card has the highest APR? —
Which card has the smallest balance? —
Am I being charged any late fees right now?
Cards I will cut up / freeze starting today:
2
Step Two Figure Out Where ALL Your Money Goes — Write It Down

Money Coming In

Total Monthly Income $0.00

Fixed Expenses

Anything with a due date

Total Fixed $0.00
⚠ Leakage — Usually more than people realize! Be brutally honest here.
Total Leakage $0.00
3
Step Three Build a REAL Cash Budget You Can Actually Live On
1st
Essentials First
Roof · Utilities · Food
2nd
Real Life
Budget must have wiggle room
3rd
Debt $$
Everything left over attacks debt
Total monthly income $0.00
– Fixed expenses $0.00
– Leakage (trimmed) $0.00
– Emergency cushion ? Emergency cushion = a small monthly set-aside (typically $50–$200) that builds a buffer so you don't have to reach for a credit card when an unexpected expense hits — car repair, a medical bill, a surprise fee. Even $50/month breaks the cycle. $
= I Can Put Toward Debt / Month $0.00

Budget Reality Check ✓

$ / wk
4
Step Four Pick ONE Debt to Attack First — Build Your Snowball

Debt Snowball — Ranked Smallest Balance First. Auto-sorted from your Step 1 cards. The first one is your ATTACK NOW target.

# Card / Lender Balance Min. Payment Status
Add cards in Step 1 to see your snowball order.

Pay minimums on everything except Debt #1. Throw every extra dollar at #1 until it's gone. Then roll that full payment into #2 — your snowball gets bigger with every win.

The quick victory matters: behavior change needs momentum, not just math.

🐾 My Commitment
You're not bad with money, you just never had the right system.™
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