Thirty days. Thirty specific actions. One complete financial reset — no vague advice, no skipped steps, no "figure it out yourself."
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Pull your credit report. Log every account. Calculate your real total and your true monthly minimum obligation. Name the number out loud.
Make the calls that cost nothing and could save thousands. Interest rate reductions, hardship plan enquiries, and one account review per day.
Set up your payoff method, make the first extra payment, start the buffer fund, and identify your income increase option for the next 30 days.
Automate what can be automated. Build the monthly review habit. Set your milestone markers. Create the system that keeps running after Day 30.
Debt inventory worksheet
Interest cost calculator worksheet
Expense audit matrix
30-day progress tracker
Interest rate reduction call script
Hardship plan enrolment script
Most people don't fail at debt payoff because they lack information — they fail because they can't turn information into consistent action. Reading a guide and doing the things in a guide are completely different activities. The Debt Detox is built around doing.
Each day has exactly one action. Not a chapter to read. Not a concept to understand. A thing to do — with the context needed to do it and the resources included to complete it. Day 3 tells you to pull your credit report and gives you the link. Day 9 tells you to call your highest-rate card and gives you the script. Day 22 tells you to set up an automatic transfer and explains exactly how.
By Day 30, you will have completed your debt audit, made at least one negotiation call, started an emergency buffer, set up your payoff method, and established a monthly review habit. These are not aspirational outcomes — they're the specific actions in the guide.
The structure also makes it easy to restart if you fall behind. Miss Day 14? Start at Day 14. The guide doesn't require consecutive days — it requires completion of each action before the next.
"By Day 14 I had called two creditors, set up my first extra payment, and started a buffer fund. More progress in two weeks than I'd made in two years of 'planning to start.'"
"The one-action-per-day format is the key. I kept stopping with other guides because I didn't know what to do next. This removes that completely."
No. The guide is structured as 30 days for pacing, but you can work through it at your own speed. The important thing is completing each action before moving to the next — some actions build on previous ones. Most people find one action per day very manageable; some move faster in Week 1 when the actions are lighter.
Each action includes a brief "if this doesn't apply to you" note with an alternative or replacement task. For example, if you have no accounts in collections, the debt validation action is replaced with a credit report dispute review.
The Playbook is a reference system — comprehensive, phase-based, designed to be consulted at each stage. The Debt Detox is an action programme — day-by-day, task-based, designed to be executed. They cover similar territory from different angles. Many people use both: the Detox to get started, the Playbook as an ongoing reference.
A PDF with the 30-day guide, fillable worksheets embedded, and scripts included in the same document. Download immediately after purchase, fill digitally or print.
Thirty actions. Thirty days. One financial reset.
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