How to Get Out of Debt in Just 30 Days

Introduction

Feeling crushed by debt? You’re not alone—and you’re not stuck. With focus and the right strategy, it’s absolutely possible to start turning things around in just 30 days. This isn’t magic. It’s momentum. Let’s break it down.

1. Know Your Enemy: Total Your Debt

Step 1: Clarity Is Power

Write down every debt you owe: amount, interest rate, and due date.
Separate them into: Credit Cards, Loans, Overdraft, Bills

🧠 Why it works: You can’t fix what you don’t see. Knowing the exact number gives you control.

2. Create Your 30-Day Battle Plan

Daily Habits:

Stop unnecessary spending immediately
Pause all subscriptions you don’t need
Use cashback, rewards, and points to reduce expenses

Weekly Goals:

Allocate a portion of your income (even if small) to debt
Prioritize highest interest first (debt avalanche method) or smallest debt first (debt snowball)

📅 Pro Tip: Use a simple planner or calendar to set weekly payment targets.

3. Negotiate Like a Pro

Talk to Your Creditors

Ask for discounts on the total amount for early payment
Negotiate lower interest or better conditions
Consolidate debts if possible

📞 Script: “I’m reorganizing my finances and want to make a payment proposal.”

4. Increase Your Income Temporarily

Side Hustle Ideas:

Sell unused items (OLX, Facebook Marketplace)
Freelance gigs (design, writing, delivery apps)
Offer simple services (cleaning, tutoring, pet care)

💵 Key: Every extra R$100 counts. Don’t underestimate small wins.

5. Automate and Track Progress

Tools That Help:

Apps: Mobills, Organizze, GuiaBolso
Use bank automation to schedule payments

📊 Tracker Tip: Create a visual debt tracker—seeing your progress motivates action.

Conclusion

You don’t need to wait years to feel relief. With focus and discipline, you can start your debt-free journey in just 30 days. The first step is the hardest—after that, it’s momentum.

✅ Take Action:

Total your debts today
Cut the unnecessary
Create your 30-day plan

💥 Debt isn’t forever. And 30 days from now, your future self will thank you.