Cash, not credit
Get out of debt. Stay out.
No gimmicks. No shortcuts. No new credit card. Just a written plan, a little sacrifice, and the guts to stick with it. Debt Free Dept. shows you how, one dollar at a time.
Free guide
Give Your Money a Plan
The free, plain-English guide to building your first zero-based budget, one step at a time.
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How it works
Three moves. No magic.
You don’t need a bigger paycheck to start. You need a plan you’ll actually follow.
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Give your money a plan
Write a zero-based budget before the month starts. Plan all your money until income minus everything you assign equals zero, so nothing leaks away.
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Attack debt, smallest to largest
Pay minimums on everything, throw all your extra money at the smallest balance, then roll that payment into the next one. Quick wins keep you going.
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Build savings. Stay cash-only.
Build a real emergency fund so surprises don’t land on a card, and pay with cash or debit so the debt never comes back.
What you get in the guide
Your first real budget, in an afternoon.
- The 7-step setup: take-home pay, the Core Four first (food, shelter, utilities, and transportation), sinking funds, and hitting $0 left to assign.
- A full worked example on $4,200/month take-home pay, line by line (example figures).
- A printable worksheet and budget spreadsheet you fill out before the month starts.
- A plan for irregular income: commission, tips, gig work, and seasonal jobs.
- Sinking funds, so Christmas and car repairs stop being “emergencies.”
- The debt snowball, step by step, with an example payoff timeline.
- The 10-minute monthly money meeting, solo or with your partner.
- 10 common mistakes that make people quit, plus a straight-talk FAQ.
Sacrifice now so future you has options.