Get Out of Debt in 90 Days: The 3-Column Method

The snowball and the avalanche both assume the same amount of money comes in every month, on the same day. If you live on freelance gigs, tips, or several small jobs, those methods fall apart in the first week. This plan splits every payment you receive across 3 columns and walks you through 90 days, week by week.

When you finish it, you'll be able to:

- Take an honest inventory of all your debts

- Split every payment you receive, big or small

- Follow a 90-day plan week by week

- Know what to say when a debt collector calls

It's for you if:

- Your income changes from month to month

- You owe on several cards or loans

- Collection calls stress you out

A 10-page practical guide in PDF.

This guide is educational and isn't financial or legal advice. Your rights with debt collectors and the terms of each debt depend on your state and each lender: check them before you decide.