First 30 Days of Paying Off Debt: A Simple, Proven Plan That Actually Works | 97 Debt Rebel Show

Most people don’t fail at paying off debt in year one.
They fail in month one—because they try to do everything instead of the right things.

In this episode, I’m walking you through exactly what to focus on in your first 30 days of debt payoff so you can build traction without burnout. No chaos. No perfection. Just a simple, boring, effective plan that works in real life.

We’re breaking it down week by week, including:

• Why the first 30 days are about stability, not speed

• The non-negotiable step most people skip (and regret)

• How to choose your debt payoff method—and stop switching plans

• How to reduce decisions so you don’t burn out

• What usually derails people in month one (and how to plan for it)

• Why motivation isn’t the problem—and never was

You’ll learn how to:
✔ Build a starter emergency fund
✔ Lock in your debt payoff plan (snowball, avalanche—pick one and stick with it)
✔ Set up a simple weekly money check-in (10–15 minutes, max)
✔ Expect resistance before it shows up
✔ Make progress without needing a “perfect” month

If you’ve ever thought:

• “I know what to do, I just can’t stay consistent”

• “I start strong and then life happens”

• “I should be further along by now”

…this episode is for you.

Option 1: Do it yourself
Use this episode as your month-one roadmap and start building momentum.

Option 2: Grab tools to make it easier
Download my Debt Payoff Tracker at jewlzthebudgetnerd.com to track progress and celebrate wins.

Option 3: Don’t do month one alone
Join the membership for coaching, accountability, and a community of parents paying off debt together—because support shortens the timeline and reduces restarts.

You don’t need more intensity.
You need consistency.

Progress compounds quietly—and month one sets the tone for everything that comes after.

🎧 Hit play and let’s build this the smart way.