What We See

Two Habits We See Every Time

When we sit down with a business that’s struggling with credit card debt, these two things almost always come up first.

1

No Spending Plan

Money without a plan tends to disappear before it’s tracked. A zero-based budget flips that: every dollar gets a job, from the basics to what’s left over, so you know exactly where things stand before the month even starts.

2

The Checkbook Doesn’t Get Balanced

Nearly 40% of people in financial trouble aren’t reconciling their accounts regularly. Without that habit, it’s easy to lose track of what’s actually available to spend, and easy for small mistakes to turn into bigger ones.

Both are simple to start, and both make a real difference, fast.

Your Next Steps

The Plan

Five steps. Nothing complicated, just consistency.

1

Build a zero-based budget

Give every dollar a job before the month starts, the basics, the extras, and what goes toward debt. If budgeting from scratch feels overwhelming, our You Ask, We Answer hub walks through the basics we get asked about most.

2

Pick a payoff method and stick with it

List your debts smallest to largest, or highest interest first, and put every extra dollar toward the top of that list until it’s gone.

3

Call your creditors

Ask about a lower rate, a hardship program, or a payment plan. It costs nothing to ask, and it works more often than people expect.

4

Set aside a small buffer

Even $500 to $1,000 set aside keeps one surprise expense from turning into new debt.

5

Automate what you can

Set minimum payments to run automatically so nothing slips through the cracks while you focus on paying down the rest.

That’s the plan. Simple steps, done consistently, add up faster than you’d think.

Want help putting this into action? Reach out anytime.

Renee, AdminBooks CEO, with Dave Ramsey

A Resource We Trust

Dave Ramsey

Dave Ramsey’s seminars and 9-week financial classes changed the way we think about debt, and we’ve seen them do the same for the business owners we work with. If you want practical, no-nonsense tools for getting out of debt, this is where we send people first.

★

Recognized in his own words: AdminBooks is featured on the back cover of Dave Ramsey’s 2025 book, Build a Business You Love.

A note from Renee

Faith has always shaped how I think about money, not just as a financial coach, but personally. I’ve carried credit card debt myself, and gotten out of it, and scripture was part of what got me there.

Two verses I come back to often. ‘The rich rule over the poor, and the borrower is slave to the lender.’ (Proverbs 22:7) This one stuck with me because it’s exactly how debt felt: not just numbers, but weight. ‘Steady plodding brings prosperity; hasty speculation brings poverty.’ (Proverbs 21:5) Getting out of debt is slow, steady progress, not one big win, and I remind myself of that every time it feels too slow.

A few others I keep close by:

“If you have not been faithful in the use of worldly wealth, who will entrust you with true riches?” (Luke 16:11)

“The way of the fool is right in his own eyes, but a wise man is he who listens to advice.” (Proverbs 12:15)

“Be sure you know the condition of your flocks, give careful attention to your herds.” (Proverbs 27:23)

If you’ve ever wondered whether someone who does this for a living has actually been where you are, I have. I’m always happy to talk about it, just ask.

Ready When You Are

You’ve got the plan. If you’re ready to put it to work, we’re ready to help.

Living without credit card debt is possible.

Contact Us