A real five-year journey out of debt

You either make more money, or you spend less.

No get-rich-quick. No shame. Just one person's real path out of debt — the numbers, the setbacks, and the long middle that nobody talks about. And the tools to do it yourself.

30episodes, free
5 yearsand still walking it
$0to start today

Start with the free guide

One page. Five steps. The exact order to take the number out of the dark and get moving — no signup to the series, no cost.

You'll also get a short email a week: one honest note and one small action, while you work through the series.

When you're ready to go deeper

The free guide gets you moving. The workbook is where the work actually gets done.

Most popular

The Debt Exit Workbook

$27$14 launch

17 worksheets, one per episode. Print it or fill it in on screen.

  • Take the number out of the dark
  • The list: every balance and rate
  • The kill order: which debt first
  • The buffer and the sinking fund
See the workbook →

Not sure yet?

Free

Watch the series first. All 30 episodes are free on YouTube, and they'll tell you whether this is the way you want to do it.

  • Real numbers, real setbacks
  • No theory you can't use
Watch the series →
Watch

The whole series, in order.

Thirty episodes across three series. They play right here — no leaving the page. Prefer YouTube? Every episode also has its own page there.

Series 1 · Before you start E1–E10

Episode 1The day I finally looked at the numbers
Episode 2Why facing it is so scary

Draft note: this page embeds the player for each episode, grouped by series. In the real build the remaining episodes fill the list below; the layout is what we're locking here.

Series 2 · Building the system E11–E20

Episode 11Move the debt, or change the behaviour?
Episode 16The things you don't notice you're spending

Series 3 · The middle and after E21–E30

Episode 27The month I fell off
Episode 30Five years will pass anyway
Start here · free

Five steps out of the dark.

A one-page quick-start. It won't clear your debt. It will stop the spiral, in the right order, in about an hour.

What's in it

1 · Take the number out of the dark

Write every debt down, once. The number is not a verdict on you; it's a starting line.

2 · See where it's leaking

Not a budget. A look at the last month, to find the one or two leaks that matter.

3 · Put one buffer between you and the next surprise

Before savings. Before investing. The thing that stops a bad week becoming new debt.

4 · Choose the kill order

Which debt first, and why the smallest one is often the right answer.

5 · Start the check-in

One line a month. The shrinking total is what keeps you going.

Then what

The guide is the map. The series is the walkthrough — thirty short episodes that show each step being done, badly at first and then better. And when you want the whole thing in your hands, the workbook has a worksheet for every step.

Store

Tools to do the work.

The series is free, forever. These are the things that make it easier to actually start.

The Quick-Start Guide

Free

The five steps, one page.

  • Print it or keep it on your phone
  • The order to do things in
Get it →
Start here

The Debt Exit Workbook

$27$14 launch price

A4 PDF, 20 pages, 17 worksheets.

  • One worksheet per episode
  • The list, the kill order, the buffer
  • Fill in on screen or print it
Buy the workbook →

Fridge Plan + Workbook bundle

$39

Everything, plus the fridge poster.

  • The workbook
  • The printable fridge plan
  • The monthly check-in card
Buy the bundle →

How buying works: the button takes you to a secure checkout (PayPal). Card or PayPal, no account needed. The file downloads the moment you pay, and a copy lands in your email. Nothing on this page ever sees your card details.

About

"I'm in the middle of a five-year minimum journey."

That's the whole channel, really. No ending wrapped up with a bow. Just what it actually takes, said plainly.

I'm not a finance expert. I'm a nurse, I work shifts, and I got myself into debt the ordinary way — a bit at a time, until the number was bigger than I could look at. There was no dramatic rock bottom. Just a hole I knew I could keep falling into.

I started looking at it properly in the middle of 2024. I put every debt on one page, and then kept putting it on one page, every month, until the total started to go down. I'm still going. Some months it barely moves. One bad pay period still sets me back a little.

I made this channel because the thing I needed most, at the start, was proof that it was possible — from someone who wasn't selling me anything. So that's what this is. The real version, in the open, with the tools I use.

If you've got a number you're avoiding: write it down once. That's step one. Everything else comes after.