By Yasawaii Saadiq, Founder of Third Eye Nubians 

Shift Your Mindset First

Debt isn’t just about numbers — it’s a mindset game. The system is designed to keep us chasing bills, minimum payments, and “buy now, pay later” traps. To break free, you have to flip the script:  

Stop asking “Can I afford the payment?” and start asking “Do I need this at all?”  

Freedom starts the moment you stop normalizing debt. It’s not normal. It’s not power. It’s a shackle and you’re meant to be free. 

Know Exactly Where You Stand

You can’t fix what you’re afraid to face. Pull up every debt you owe: - Credit cards - Student loans - Personal loans - Collections - IRS or tax debt  

Then total it up. Don’t panic. This isn’t a moment to feel shame, it’s your turnaround point. Print it. Own it. Then move. 

Create Your Personal Payoff System

Here’s a 3-step method to start knocking debt down like dominoes: 1. List Every Debt, Smallest to Largest Use the debt snowball method, build momentum by knocking out the smallest balances first. 2. Make Minimums on Everything but "Attack One". Put every extra dollar you can find (even $50/week) toward that first balance. 3. Recycle That Payment When the first one is gone, roll that same payment into the next. Like fire, it spreads. 

Stop Bleeding Money

- Cancel unused subscriptions - Pause eating out for 30 days - Call every bill collector, negotiate lower payments or interest - Cut spending by 10–15% this month - Use cash or debit only,  no more credit cards (lock them up if you have to) 

The Real Goal: Freedom, Not Just a Zero Balance

Debt freedom means options. You can quit a toxic job, start a business, invest, breathe. When you stop sending money to lenders every month, you own your future again. This isn’t just financial, it’s spiritual. It’s generational. It’s liberation.

Final Word

You’re not behind. You’re awakening. Every payment, every choice, every sacrifice, it adds up.  

“Debt is a weapon. Discipline is your shield.”  

Next week, we’ll break down side hustles and passive income ideas to accelerate your debt-free journey.