Break Free From Debt
A 5-Day Challenge to Create a Debt Pay Off Plan
A self-paced challenge to help you stop guessing what to do with debt. Get guidance on how to create a clear payoff plan that aligns you and your money.
Just clarity, alignment, and momentum.
How The 5 Days Work
This is a self-led challenge through the 5 days (or 5 steps). Move as quickly or at whatever pace makes sense to you. Try and keep it to 5 days if possible to honor yourself and progress you need to take with your money.
Each day of the challenge includes instructions, a short teaching video + guided worksheet(s) and/or journal prompts to help support you with this baby step on creating a plan.
Day 1: See Your Debt Picture
Organize and understand your debts in a way that removes anxiety and replaces avoidance with clarity.
Day 2: Choose Your Best Strategy
Snowball? Avalanche? Hybrid? You’ll choose based on psychology and cash flow, not on the hottest takes from the internet. It’s time to pick a method you trust.
Day 3: How to Gain Momentum
Determine the exact monthly amount your life can sustain and other ways to dial into additional income. Being afraid will only disqualify each effort you put forth.
Day 4: Learn to Stay Motivated with Milestones
Progress sticks when you can see it. Learn how to set milestones for tracking and creating rewards as a way to break up the journey in bite size pieces. Turn progress into motivation instead of pressure.
Day 5: How to Make It Last
The real challenge isn’t starting, it’s continuing after week two. You’ll learn other ways to support and think about your debt situation. Understanding low-motivation weeks, unexpected expenses, and decision fatigue so your plan keeps working.
Meet Your Guide
I’m Dalene, a money coach who helps women and couples build financial systems that match real life, not with restriction or perfection.
My clients aren’t reckless spenders. They’re responsible, thoughtful people who simply don’t have a clear plan yet.
I use this challenge as the starting point for them so we can thoughtfully factor debt repayment into all of their other money goals - retirement, savings, freedom, and flexibility.
Before we move into bigger financial planning work, we create clarity here first. Because real confidence doesn’t come from doing more, it comes from knowing your next best step.
What Makes This Challenge Different
This isn’t a motivation challenge. It’s a decision-making system.
It’s important to understand the other areas of life and how they can affect your debt situation.
Learning to look outside the box is what this challenge begins to show you. And that’s when money stress drops dramatically.
Five days from now, you could still be worrying about debt…or you could have a plan.