by Yasawaii Saadiq, Founder of Third Eye Nubians

“The borrower is slave to the lender.” – Proverbs 22:7 

In today’s world, debt has become so normalized that many walk around with financial chains they can’t even see. It starts with a swipe, a signature, a student loan... and before you know it, you’re buried under the weight of payments, late fees, and interest rates. But hear this: Debt is not your destiny. You can get out. And you will.  

đŸ”„ Step 1: Shift Your Mindset – You Were Born to Be Free

Debt isn’t just a money issue , it’s a mindset trap. We’re often conditioned to believe we need debt to survive or build wealth. That’s a lie. Real wealth is built on discipline, ownership, and delayed gratification. Affirm it now: 

“I am not meant to live in debt. I am meant to live in overflow.” 

📊 Step 2: Know the Enemy – List Every Debt

Grab a notebook or spreadsheet. Write down:  

  • The name of each creditor 
  • The total amount owed 
  • Minimum monthly payment 
  • Interest rate 

Don’t hide from your numbers. Face them head-on. Awareness is the beginning of accountability.  

đŸ’„ Step 3: Choose Your Weapon – Snowball or Avalanche

There are two proven debt attack methods: 

💧 Debt Snowball:

  • Pay off the smallest debt first, regardless of interest. 
  • Gain momentum with small wins. 
đŸ”ș Debt Avalanche:

  • Pay off the highest-interest debt first. 
  • Save more money long-term. 

Pick one and commit. Discipline beats emotion every time.

  

✂ Step 4: Cut the Waste – Plug the Leaks

Track every dollar. You might be surprised how much you spend on:  

  • Subscriptions you forgot about 
  • Fast food or Uber Eats 
  • Impulse Amazon buys 

Redirect that money to your debt. Every dollar is a vote for your freedom.  

đŸ›Ąïž Step 5: Protect Yourself – Build a Mini Emergency Fund

Before you go full throttle on debt, stack $500–$1,000 for emergencies. Why? So you’re not forced to swipe a card when life happens (because it will). This is your shield while you’re on the battlefield.  

đŸ’Œ Step 6: Increase Your Income – Hustle with Purpose

Cutting costs helps, but earning more changes everything. Try:  

  • Freelancing (design, writing, tutoring) 
  • Selling unused clothes, gadgets, or gear 
  • Picking up a weekend side hustle 
  • Starting a small online business 

Use every extra dollar to destroy debt like a warrior.

 

🎉 Step 7: Celebrate Wins – Stay Motivated

Every debt you kill deserves a celebration. Post it. Shout it. Write it down. Burn the statement. Whatever keeps you fired up, do it. This journey is spiritual. Every win is a reminder of who you are becoming: free, focused, and financially unshakable.

  

🔁 Step 8: Stay Free – Build the New You

Getting out is half the story. Staying out is the real victory. Once you're debt-free:  

  • Budget every month 
  • Save before you spend 
  • Invest in your future 
  • Teach the next generation 

Break the cycle. Start a new one.

  

âšĄïž Final Word: You Are Not Alone

If you’re deep in debt, don’t let shame silence you. Millions are right there with you but not all are ready to fight. You are. This isn’t just about money, it’s about liberation. Financial freedom means you get to dream again. Breathe again. Build again. You’re not just getting out of debt. You’re getting your power back. 

 

🔗 Share This with Someone Who Needs It

If this blog inspired or helped you, pass it on. You never know who might be on the edge, waiting for a sign that freedom is possible. Tag us on social media with: #ThirdEyeNubians #DebtFreeJourney #PowerShift  

Interested in a Smart Debt Snowball Spreadsheet? Please email me at: thirdeyenubians@gmail.com for a free spreadsheet.

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