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If you were able to follow this model, you’d be debt free in about 20 months. Of course, this could take less or more time depending on how much you owe and how much you’re able to cut your spending and/or increase your income. But as you can see, you could become debt free and in less time than you might have imagined.
The net/net of this is that you can get out of debt by following this 6-step program.
Step 1: Learn where your money’s going
Step 2: Look for “leakages” or places where you can make cuts so your spending less than you earn
Step 3: Cut even more – until you have at least $200 available to pay down your debt
Step 4: Spreadsheet your debts
Step 5: Start snowballing
Step 6: Find ways to earn extra income