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How to Get out of Debt ASAP!

How to Get out of Debt ASAP

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If you’re wondering how to get out of debt ASAP, spoiler alert: it isn’t gonna happen overnight (ugh!).

However, when I teach, Best Money Class Ever, my signature 4-week LIVE personal finance class and do money coaching, I teach a method to pay off debt (excluding your mortgage) within 36 months or less. There’s an entire two-hour lesson on this. Of course, I can’t go over it all in a blog post, but let’s dive into the basics on how to get out of debt ASAP!

As a heads up Best Money Class Ever and summer money coaching sessions starts in only two weeks, on July 7th. YAY! Get the details and enroll here. 

It isn’t easy getting out of debt and building savings.

…but I get it! You still want to taste the financial freedom ASAP. Plus, it’s time to have your own hot girl summer traveling and doing all the things!

If you want to pay off debt, but feel stuck, then you’ll love the Spartan Method, I created on how to get out of debt ASAP! I answer the much-debated debt dilemma of whether or not to pay the smallest debt or highest interest debt first!

How to Get out of Debt ASAP!

Think about this: how many years did it take you to accumulate ALL the debt you currently have? Probably YEARS, maybe even decades, to owe what you owe now with student loans, car loans, credit cards, medical debt, and ‘I owe you’s.’

It took your years to get here, you aren’t gonna get out of debt without a good fight.

To get out of debt ASAP, you need to become a Spartan.

Sparta was an ancient Greek city-state. The Spartans were known for their discipline, structure, and endurance. The 300 Spartans fought against the much larger Persian army.

You may have seen the movie 300, where King Leonidas (or Gerald Butler) yells, “Sparta, this is where we FIGHT! AHH.”

Have discipline, structure, and endurance with your money.

To get out of debt pay $300, or more, towards your highest interest debt each month. Why pay $300 more? Be like the Spartans: few, but strong.  

Three hundred dollars extra to debt is small enough pretty much anyone can do it by cutting a few things or bringing in an extra income on the side.  

Paying three hundred extra monthly towards debt, is big enough to really make huge progress to get out of debt.

I do also push my Best Money Class Ever students to get out of debt within 36 months or less. It’s easier to make short-term sacrifices if there’s an end in sight.

How the Spartan Method to Get out of Debt Works

You’ll pay all the minimums on each debt, plus pay an extra Spartan amount of $300 or more to the highest interest debt each month.

When the highest interest debt is paid, you’ll take what you were paying towards that debt, plus the extra Spartan amount to pay towards your next highest interest debt. So on and so forth until you’re debt-free. And when you’re debt-free you let me know!

Here are past students who’ve paid off debt:

Here’s an example of the Spartan Method

Let’s take what could be considered a normal debt-load. For example, Average Joe owes $39,723 in student loans, car loans, credit cards and his current monthly debt payments are $889.

By paying $300 extra towards the highest interest debt, he’ll pay $1,189 towards debt every month (even as his debts are paid off), and be debt-free in 36 months.

 It’s amazing what you can do when you have a plan, with a deadline.

I know it can seem impossible to pay extra monthly towards your debt. When Best Money Class Ever starts, you’ll learn epic ways to cut your expenses and increase your revenue to pay extra to debt. Be sure and enroll now. You need this class!

You’ll see exactly what it takes to get out of debt in 36 months or less. I created an amazing debt calculator. You enter your current debt monthly payments, interest rate, and how much you owe in total on each debt. Just like that, you can see exactly when you’ll be debt-free.

With discipline, structure, and endurance you can pay off your debt and build savings.

Of course, it isn’t easy to get out of debt ASAP. It’s hard.

Because there’s your sister’s wedding coming up, and your friends want to go to Vegas, for no reason…just because. It’s really hard getting out of debt.

You need a support system, plan, and accountability.

Best Money Class Ever, my signature 4-week class starts soon. Join me in class for an entire live 2-hour lesson on how to get out of debt and see exactly what it’ll take for you to be debt-free within 36 months or less with your very own debt calculator.

Get the details here! You need this!


P.S.  If you have friends, family, or coworkers who always geek out on personal finance, then share this with them. When you enroll in Best Money Class Ever, you can bring a friend for free! Don’t miss out, class is only available once a quarter. The summer class starts July 7th!

Carly Best Money Class Ever

Hi! I'm Carly

Here you’ll learn how to pay off debt, invest (confidently!), and stress less about money!

I’m a Finance grad and creator of Best Money Class Ever, a 4-week live virtual personal finance class. My specialty is helping people get out of debt ASAP!

kim best money class ever

Kim paid off $45k in 28 months

Loren and Bryce best money class ever

Loren and Bryce tripled their net worth in two years.

Jessica and Matthias best money class ever

Jessica and Matthias paid off $61k in 20 months

Join me LIVE!  

Best Money Class Ever.

Starts October 6th!

You can pay off debt and build savings too! All you need is an education and a solid plan.

Enroll now and bring a friend for free!

“I really enjoyed the enthusiasm and the way Best Money Class Ever helped me acquire a mindset to focus on money. Having a mentor and a process around something as important as money is really critical. Thank you for the guidance. I like the format and the presentations are very helpful.” Alex

“I enrolled to gain confidence, remove anxiety around money, and get a handle of being debt free and begin saving for life purchases.” Charlotte

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