The Debt Escape Plan

The Debt Escape Plan

If you’re in credit card debt, you’ve probably heard the standard advice: Give up your latte. Cut up all your credit cards. Don’t have any freakin’ fun. 

Okay, I exaggerated a little on that last one, but I’ll bet you get my point. Sometimes, the lay-off-the-lattes or the cut-up-the-credit-cards advice works, but more often, it doesn’t. You know why? Because we’re all unique and the reasons we got into debt differs by person. This is why a one-size-fits-all approach to debt elimination can’t possibly work for everyone.

The Debt Escape Plan: How to Free Yourself from Credit Card Balances, Boost Your Credit Score, and Live Debt-Free helps you create a custom strategy for getting out of–and staying out of–credit card debt. I know this works because I’ve done it myself. I’m a former CPA, who ironically, racked up over $20,000 in credit card debt. I could calculate earnings-per-share for a multi-million dollar corporation, but I approached shopping as if it were an Olympic sport and I was going for the Gold.

When I finally made the decision to take back my life, I started reading everything I could get my hands on about personal finance. Every time I tried a “proven strategy,” I was only partially successful.

You know what worked? Creating my own custom debt-elimination plan.

In The Debt Escape Plan, I share everything I’ve learned about getting out of debt and living debt-free. In my book, you’ll learn:

  • How to use the Money Personality Quiz to customize your own debt escape plan.
  • The nine biggest debt mistakes and how to overcome them.
  • Seven secrets for giving your credit score a quick boost.
  • How to overcome the hardships of medical bills.
  • How to debt-proof your future so this never happens to you again!

Okay, are you ready to get out of debt? You can pre-order The Debt Escape Plan on Amazon. In The Debt Escape Plan, I promised you a basic budget template so you can play around with the numbers. You don’t have to buy the book to have access to the templates, but I promise you, you’ll have a better understanding of how to use them if you read the book.

The Debt Escape Plan Worksheets – Why yes, they’re free!

All you have to do to get started is click on the links below to download the spreadsheets.

Debt Escape Plan Example – Here’s the worksheet filled out with sample numbers. I thought this might be helpful so you can see how it’s supposed to look.

Debt Escape Plan Worksheet – Here’s the blank Excel worksheet that you can use to fill out with your own budget. You can use this to play with the numbers and see where you can find your “debt escape” money.

Credit Card Balance Example – Here’s the worksheet filled out with sample numbers. I thought this might be helpful so you can see how it’s supposed to look.

Credit Card Balance Worksheet – This spreadsheet allows you to track all of your credit card debt and sort the cards by outstanding balance, interest rate, minimum payment, due date, credit limit, utilization ratio, current payment status, and credit limit status.

Debt Payoff Milestones – This spreadsheet allows you to track your progress as you pay off your credit card debt.

Gift Planning – This spreadsheet allows you to establish a budget for gifts and track your spending against that budget.

 

 

 

 

21 responses to “The Debt Escape Plan”

  1. What You Need to Get a Mortgage: A Complete Guide for Home Buyers | Realtor.com®

    […] Your first step, therefore, should be to check your credit report, says Beverly Harzog, consumer credit expert and author of “The Debt Escape Plan.” […]

  2. Kirby Timmons

    hi. I’d like to try out the worksheets but I don’t have Office. Is there a version I could use with Wordpad?

  3. Kirby Timmons

    Hi! I would like to try out the worksheets, but I don’t have “office”. Are there versions that I can use with Wordpad?

  4. Lily Powers

    Up until recently I had been making a nice dent in credit card debt. Necessary home repairs and a single income knocked me off track and landed me squarely in “Rebuilder” mode. I am reading Confessions of a Credit Junkie and had a question on the score provided by Discover card… It is listed as the FICO® score trademark symbol and all, so wondering if theirs is legitimately a FICO, not a FAKO score?

    1. Julia

      I use Discovers Score card and Its a Real Fico scores. Recently applied for an FHA mortgage and the score was in fact correct.

  5. Lakme salon

    nice post

  6. michael womack

    sign up for newsletter pls.
    Many Thanks,
    Michael

  7. Jl

    So for inquires I hear that they stay on your credit for 2 years.. I just purchased a vehicle I was not aware that they was gonna pull 7 different times for different banks.. is there any way of disputing any of those that I wasn’t approved for??

  8. Joan

    how can I print out the sample sheets to review later on

  9. Joan

    how can I print out the samples

  10. K. Nicole

    So I am paying off debts on my credit report and requesting they be removed. On of the creditors removed the debt already and it has not been paid. Can they re-add this debt to my credit if it goes unpaid?

  11. Joann

    I just ordered the Debt Escape Plan from Amazon. I can’t wait to read it and start putting my plan into action.

    1. Joann

      Three credit cards paid off.

      1. Nancy

        GOOD FOR YOU!!!! HURRAH!

  12. Sharon

    The money you find will become your “debt escape money” to be used to attack your debt. You can find a budget worksheet at BeverlyHarzog.com. Set a budget and stick to it.
    http://www.nydailynews.com/life-style/tips-eliminate-credit-card-debt-article-1.2126783

    Where do i find the budget worksheet?

  13. Pat Shaw

    Hi, I couldn’t download any of your get out of debt plans.

    Looks interesting.

  14. JAMES HANSEN

    I HOPE IT WORKS………….

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