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The Wealth Collective

Get Out of Credit Card Debt: A 90-Day Plan

Course Beginner About 2 hours

The Wealth Collective

Course

Get Out of Credit Card Debt: A 90-Day Plan

Beginner About 2 hours

Standard

£4.99

The full course, yours to keep.

Purchase

Voice Mentor Upgrade

£19.99

The course, plus four mentoring calls.

Purchase

Credit card debt has a way of growing quietly in the background until it feels too big to look at. This course helps you look at it properly, make a plan and start shrinking it within 90 days, without shame and without gimmicks. You will build a clear snapshot of what you owe, understand how interest and minimum payments really work, and find money in your budget to throw at the debt. You will choose a repayment method that suits you, learn when a balance transfer helps and when it backfires, and use simple scripts to talk to lenders. If things are harder than a plan can fix, you will know exactly where to get free, confidential UK debt advice. By the end you will have a 90-day schedule, a tracker and habits that keep you out of debt for good.

Topics Credit Card Debt Debt Repayment Cash Flow Management Negotiating with Lenders Budgeting

What you will learn

Build a clear snapshot of every card, balance, rate and payment
Understand how interest and minimum payments keep you in debt
Choose between the avalanche and snowball repayment methods
Use balance transfers and lender conversations safely
Know when and where to get free UK debt advice
Follow a 90-day repayment schedule and stay out of debt afterwards

4 modules · 16 lessons · first lesson free to preview

Face the Numbers: Your Debt Snapshot Turn a vague, worrying debt into one clear page of numbers you can actually plan with.

How Credit Card Interest Keeps You Stuck See exactly how interest and minimum payments work, so you can stop them quietly keeping you in debt. Unlocks on purchase

Find the Money: Budget for a Faster Payoff Build a simple budget that frees up extra money each month to clear your cards faster, without misery. Unlocks on purchase

Recap Quiz: See the Whole Picture Apply what you just practised in See the Whole Picture. Short situations, not a definition recap. Unlocks on purchase

Avalanche or Snowball: Choose Your Attack Plan Choose the repayment method that suits you, cheapest-first or smallest-first, and know exactly which card to target. Unlocks on purchase

Cut the Interest: Balance Transfers and Talking to Lenders Use 0% balance transfers safely and ask your lenders for lower rates or help, with ready-to-use scripts. Unlocks on purchase

Put It on Autopilot: Direct Debits and Payment Dates Automate your repayments so your plan runs every month without relying on memory or willpower. Unlocks on purchase

Recap Quiz: Your Attack Plan Apply what you just practised in Your Attack Plan. Short situations, not a definition recap. Unlocks on purchase

When You Cannot Keep Up: Free Debt Advice and Your Options Know exactly what to do if you cannot keep up, from priority bills to free debt advice and legal protections. Unlocks on purchase

Stress, Shame and Talking About Debt Handle the stress and shame that often come with debt, and learn how to talk about it with the people closest to you. Unlocks on purchase

Protect and Rebuild Your Credit Score Understand how your credit file works, what damages it, and simple habits that help rebuild it as you clear debt. Unlocks on purchase

Recap Quiz: When It Gets Harder Apply what you just practised in When It Gets Harder. Short situations, not a definition recap. Unlocks on purchase

Your 90-Day Repayment Schedule and Tracker Follow a clear 90-day schedule with a simple tracker and milestones, so you can see your debt shrinking week by week. Unlocks on purchase

When Life Happens: Adjust Without Giving Up Keep your plan alive through income drops, emergencies and slip-ups, with a small safety buffer and a reset routine. Unlocks on purchase

Stay Debt-Free for Good Set simple rules for credit in the future and turn your old repayments into savings and goals once you are debt-free. Unlocks on purchase

Recap Quiz: Finish Strong and Stay Free Apply what you just practised in Finish Strong and Stay Free. Short situations, not a definition recap. Unlocks on purchase

How it works

Two ways to take the course

Both include every lesson. Standard stops there. Voice Mentor adds four phone calls, on days you choose.

Standard

£4.99

The full course, yours to keep. Lessons built from a mix of interactive sections.

Flash cards
Visuals & Imagery
Written prompts
Quizzes
A certificate at the end

Voice Mentor

£19.99

Everything in Standard, plus four mentoring calls on days you choose.

Every lesson, flash card, table, prompt, and quiz
The certificate at the end
Four phone calls
You pick the days
A chance to practice out loud

Why it works

A mentor, just for you

Every call starts from where you are. No recapping, no repeating yourself, no starting over.

It picks up where you left off

Nothing you say gets lost. Each call builds on every one before it, so you keep moving forward instead of going over old ground.

Time goes on your weak spots

It knows the questions you skipped and the quiz answers you missed, so the call is spent where it helps most.

It meets you at your level

Flying through? It pushes you further. Finding it tough? It slows down and tries another way in.

It keeps you on track

Every call is about the part of the course you are on now, not wherever a chat happens to wander.

It makes it stick

Putting an idea into your own words, out loud, turns "I read that" into "I know that".

How it works

From checkout to your first call

No app to install and no link to click. It is a normal call to your phone.

Step 1

Buy the upgrade

Voice Mentor includes the whole course, so there is nothing else to buy.
Step 2

Pick your time

Add your number and choose when the first call rings. The rest follow a week apart.
Step 3

Answer and talk

It quizzes you on that part of the course and gets you explaining it in your own words.
Step 4

Each call builds

The next call is briefed with everything from the calls before it.

Side by side

Our AI Voice Mentor Vs. ChatGPT

ChatGPT is there when you open it and type. Voice Mentor rings you, and it already has this course.

ChatGPT Voice Mentor

Who starts it ✗You open it and type ✓It calls you, when you chose

What it knows ✗Only what you paste in ✓This course and all your work

Memory ✗Each new chat starts at zero ✓Every earlier call, in full

Structure ✗No plan unless you make one ✓A quarter of the course per call

How you learn ✗Easy to skim and feel done ✓You explain it out loud

Cost ✗A monthly subscription ✓£19.99 once, course included

FAQs

A few straight answers

Anything else? Read more about voice mentoring.

Yes. A normal call to your phone number. There is no app to install and no link to click. You just answer.

No. The lessons are yours to read. The call is you explaining the ideas in your own words, while it asks questions and builds on what you say.

Not on its own. Before each call it is sent the summary and full transcript of every call you have had on this course, so nothing gets lost between them.

The course is split into four parts, in order. Each call focuses on the next part, with the rest of the course there for context.

You can still take the call. It sees which prompts you have answered and how long you spent on each lesson, and works from there. It goes better if you have read that part first.

If you know you will be busy, move it before it rings. If one slips past, get in touch and we can usually rebook it. The next call still picks up from everything you have done.

You pick the day and time of the first call. The other three are booked a week apart after it, and you can move any upcoming call to a time that suits you.

It is used only to place your mentoring calls. It is never shared or used for marketing.

For about ninety seconds. Then it is just practice. It does not judge and it does not get bored.

No. Voice Mentor is the full course plus the four calls. Standard is the same lessons, without the phone.

Ready to learn something new?

The same lessons either way. Add the calls if you want someone to make you say it out loud.

Buy Standard Buy the Voice Mentor Upgrade

Get Out of Credit Card Debt: A 90-Day Plan

What you will learn

Two ways to take the course

£4.99

£19.99

A mentor, just for you

It picks up where you left off

Time goes on your weak spots

It meets you at your level

It keeps you on track

It makes it stick

From checkout to your first call

Buy the upgrade

Pick your time

Answer and talk

Each call builds

Our AI Voice Mentor Vs. ChatGPT

A few straight answers

Ready to learn something new?

The education school forgot

Skills you will actually use

Lessons that hold your attention

A mentor that calls you

Pay once, keep it