Debt doesn't disappear by accident.It ends with a plan.If you're tired of living paycheck to paycheck, drowning in balances, and feeling like you're always behind, Debt Free in 12 Months gives you a clear, realistic path out - without guilt, hype, or unrealistic promises.What This Book DoesThis book is not about motivation.It's about execution.Inside, you'll learn how to: Understand your true debt reality without shameStop financial bleeding and regain controlBuild a debt-free mindset that lastsTrack money with clarity and confidenceEliminate debt strategically - even on a modest incomeStay consistent when motivation fadesTransition into a debt-free life that stays debt-free foreverWho This Book Is ForAnyone overwhelmed by credit card or consumer debtPeople who've tried and failed beforeReaders who want simple, practical steps - not theoryAnyone ready to take control of their money in one yearWhat Makes This Book DifferentThis is a step-by-step, month-by-month action plan built on: Real-life behaviorEmotional resilienceProven financial systemsNo shame.No shortcuts.Just a clear path forward.Debt ends here.And it doesn't come back.