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You are in debt · make a plan

Debt is a number. A plan is your next move.

You do not have to fix everything today. Start by making the numbers visible and choosing one action.

Make the plan
Your three-part plan

Start small. Get clear.

This is an educational starting plan, not personal financial, legal, or tax advice. A qualified credit counselor, CPA, attorney, or financial professional can help with decisions specific to your situation.

1

Put every number in one place.

Do not guess. Write it down.

  • List each debt
  • Write the balance, minimum payment, rate, and due date
  • Write down the cash you have today
2

Know what has to be paid first.

Protect the basics before making a big new plan.

  • Separate business and personal obligations
  • List essential operating costs
  • Note bills that are already behind
3

Pick one next action.

A plan starts with one call or one payment—not a perfect spreadsheet.

  • Pay required minimums if you can
  • Ask creditors or lenders what options are available
  • Choose one debt to focus on after essentials
After you list the numbers

Make the business support the plan.

Keep

Keep business and personal money separate so you can see what the business can truly carry.

Pause

Pause nonessential tools, subscriptions, or spending until you can see the numbers clearly.

Focus

Focus on offers and client work that bring in cash before you create more process work.

Free resource · coming soon

Use a free Claude skill to make your plan.

A guided Claude skill for organizing your debt plan is coming soon. It will help you turn your list into a clear next-actions document. No link has been added until the resource is ready.

Link coming soon
One next action

Write the first number down today.

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