Four debts, paid off one at a time

I live in Durban, and for a long time my pay was spoken for before I got it. A store card, a clothing account, a personal loan and a car loan each took a piece. I did not have a clever plan. I had a kitchen table, a stack of envelopes and a wall calendar with a red pen on a string.

I started with the smallest debt, paid only the minimum on the rest and put every spare rand on the one in front of me. When it was gone, I rolled its payment onto the next. Some months were slow and one was a freeze month with nothing bought but food and bills. In the end there were four red crosses and no debts.

What I sell are the pages I used myself: a planner, a tracker, envelope pages, letters to write to a lender, a calendar and a freeze plan, with two video courses. I am not a financial adviser, and I do not tell you what to do with your own money. I show what worked for me and how I kept at it.