Get Out of Debt Starting Today

Join with millions nationwide and challenge yourself to get out of debt!

The Oprah Winfrey Show recently joined forces with three of the nation’s top financial experts – David Bach, Jean Chatzky and Glinda Bridgforth – to create a step-by-step action plan that can help you get out of debt.

AmericaDebtDiet.com believes in this plan and would like to help spread the word, because it’s time for you to get on the path to financial freedom and begin your new debt-free life.

The first four steps will take you about 1 month to complete. Once you’ve completed the first four steps, come back and complete steps 5 – 8.

Keep reading below to learn more about the American Debt Diet. Also, don’t forget to click on the links in the navigation column to get more great advice about how to get out of debt.

Take the “Get Out of Debt” Challenge

Before learning the steps to get debt-free, you must first commit yourself to doing what it takes. Are you ready to change your life? Are you ready to get the hefty burden of debt off of your shoulders? This plan will only work if you’re committed! So print and sign Oprah’s Get Out of Debt Debt Contract and get started along the path to financial independence.

Click here to print and sign the Get Out of Debt Challenge Contract
You need the Adobe Acrobat Reader to view the contract. Download it here.

Go to Step 1: How much debt do you really have?

Get Out of Debt Steps

Now that you’re committed, it’s time to start eliminating your debt. Proceed to Step 1.

Step 1: How much debt do you really have?
You must know your total debt so you can start paying it down.

Step 2: Track spending, find extra money to pay down debt
Cut back on the extras and find money where you least expect it.

Step 3: Learn to play the credit card game
Learn how to handle your creditors, negotiate lower interest rates, and pay off thousands of dollars of credit card debt.

Step 4: Stop Spending
It’s amazing the big difference a small change in your spending habits can make! Learn how to spend less and save more.

Step 5: Create a Monthly Spending Plan
Using a monthly budget worksheet, you can create a spending plan that you can stick with.

Step 6: Grow Your Income
Make big choices to get out of debt faster.

Step 7: Prioritize Debts and Raise Your Credit Score
Learn which debts to pay off first and how to improve your credit score.

Step 8: Understand Your Spending Issues…and Save!
Take this self-assessment quiz and learn why you spend. Then discover how you can resist those spending urges, build an emergency cushion and lay the foundation for an optimistic financial future.

Debt Resources

• Lexington Law Firm
• Instant Online Debt Consolidation – Free Quote!

Also, don’t forget to visit Oprah.com to learn about the financial experts driving the American Debt Diet experience. You can also meet the families that the experts are personally helping and join an online community of people all working to get out of debt.