Sheila’s Debt-Free Challenge
Get Ready, Get Real & Get Rid of your Debt!  

Life and Financial Goals

•   It’s OK to have goals, even when you are in debt.
•   If you don’t have goals, how will you ever reach them? 

Your Financial Reality - Where are you today?

•   How much do you owe and what’s it costing you?
•   How much do you earn and how are you spending it? 

Where Does all my Money Go?

•   Know where your money goes.
•   Is your spending in line with your goals? 

What Can I Do Differently?

•   Small changes can turn into big results!
•   Develop a Spending/Savings plan that works for you! 

Getting to Zero - Strategies and Barriers

•   The key is spending less than you earn!
•   Learn to make conscious choices when it comes to spending 

Making Real Progress

•   Small changes can turn into big results!
•   Have a clear plan so you know what you need to do. 

Don’t Wait - Start Saving Now

•   Stay out of debt & save for the things you want and need.
•   Have money when you need it so it doesn’t go on credit! 

Living Well on Less

•   Allocate your money towards the things that are most important to you.
•   Live the life you want with the money you have!

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