Welcome! If you’ve found your way here, chances are debt has been weighing on you — maybe for a while. You’re not alone, and you don’t have to face it alone. Escape Debt was built to give you the tools, strategies, and encouragement you need to finally break free.
This page is your roadmap. It points you to the most important guides, tools, and resources so you can start strong.
Roadmap: “I’m in Debt, What Now?”
Start with this foundational guide if you’re overwhelmed and don’t know where to begin. It walks you through:
- Facing your debt without shame
- Understanding your options
- First action steps to stop the bleeding
👉 Read: I’m in Debt, What Now? A Complete Step-by-Step Guide to Getting Back in Control
FAQs: Quick, Plain-English Answers
You’ve got questions — we’ve got answers. Our FAQ section breaks down the most common concerns about debt in simple, no-nonsense language. Topics include:
- Will debt ruin my credit forever?
- Should I save while paying off debt?
- Is bankruptcy my only option?
- How do I deal with debt collectors?
👉 Explore: FAQs – Frequently Asked Questions
Get Out of Debt (Core Guides)
This is where your journey begins: proven strategies for paying off what you owe faster.
- Debt Snowball Method – Pay off smallest debts first for motivation.
- Debt Avalanche Method – Tackle high-interest debt to save the most money.
- Debt Consolidation Loans – Combine balances into one payment (pros & cons).
- Credit Counselling & Settlement – How professional help can reduce what you owe.
- Negotiating with Creditors – Scripts and strategies to lower balances or interest rates.
👉 Read: All guides on Getting Out of Debt
Stay Out of Debt; Future-Proof Your Finances
Paying off debt is step one. Staying out is the real win. These resources help you avoid slipping back:
- Budgeting Systems – Explore methods like 50/30/20, Zero-Based, and Envelope budgeting.
- Building an Emergency Fund – Why it’s your #1 defence against new debt.
- Smart Credit Card Use – How to recover from past mistakes and use credit wisely.
- Lifestyle & Spending Habits – How to stop overspending and align money with values.
👉 Learn: How to Stay Out of Debt / Live Debt-Free
Tools & Resources
Practical tools to make debt repayment less overwhelming and more achievable:
- Calculators – Try our Debt Payoff Calculator and Snowball vs. Avalanche Visualizer to see your debt-free date.
- Recommended Apps & Services – The best budgeting apps, credit monitoring tools, and debt solutions (carefully reviewed).
- Free Printables – Budget sheets, spending trackers, and debt payoff charts to keep you motivated.
👉 Browse: Tools & Resources
Next Step: Take Action
Debt feels urgent because it is (Your Debt is an Emergency). But taking action today — even a small step — is the beginning of freedom. Use this roadmap as your guide, and remember: you don’t have to do this perfectly, you just have to start.
