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Break Free From Debt
A practical guide for reclaiming control when money feels impossibly tight.
Budgeting is hard enough when life feels calm… and almost impossible when you’re drowning in overdue notices, late fees, stress, and the constant fear of “What now?”
If you’ve ever opened your banking app with your heart in your throat, avoided bills out of overwhelm, or wondered why every month feels like a scramble—you are not alone.
This guide was written for real people in real financial survival mode—the ones making decisions with tired brains, long days, and more weight on their shoulders than most advice accounts ever acknowledge.
This is budgeting for the real world, not the ideal one.
What This Eebook Helps You Do
Inside, you’ll learn how to:
💛 Face the numbers without shame
A simple, compassionate checklist to finally understand what’s coming in, what’s going out, and what’s draining you.
🧠 Shift your money mindset
Calm the shame spiral, interrupt avoidance, and replace “I’m bad with money” with “I’m learning new skills.”
📉 Create your first bare-bones budget
A step-by-step survival-mode plan: what stays, what goes (for now), and how to regain breathing room.
🔍 Track spending without overwhelm
What’s Inside
This Eebook includes:
A full 26-page survival-mode budgeting guide
Clear, non-judgmental explanations for beginners
Real-world examples for living paycheck-to-paycheck
Mindset support for anxiety, overwhelm, and shame
A simple first-week spending tracker
A two-page printable Budget Planner & Worksheet
One week. Small habits. Clear patterns. Real control.
💸 Reduce debt with realistic strategies
Tackle debt using either the Snowball or Avalanche—even with very limited income.
🚨 Build a tiny emergency buffer
Start with $100 and grow slowly. Even a small cushion changes everything.
🎉 Celebrate progress—not perfection
Small wins aren’t small. They’re momentum.
To make change easier, you get:
📝 The Bare-Bones Budget Worksheet
Your essential-only budget—simple, honest, and doable.
🧾 The Spending Tracker
A one-week “see it clearly” sheet that helps you spot patterns and find your first small wins.
These worksheets are designed for tired brains and survival-mode seasons.
This guide is for you if:
You feel like you’re barely staying afloat
You’re overwhelmed by overdue bills or unpredictable income
You keep trying to budget but can’t make anything stick
You’re exhausted by financial shame or avoidance
You want someone to finally explain budgeting in a way that feels human
Budgeting isn’t about restriction—
It’s about getting back your sense of control, one small step at a time.
Why We Wrote This
At Eeyah, we create eebooks for real life—the one with half-finished coffees, surprise bills, long workdays, and no extra time to figure things out alone.
Debt feels heavy, but clarity makes life softer.
This guide is here to help something click, even if just a little.
That click?
That’s Eeyah. The sound of discovery.