How I Wiped Out $20,347 In Credit Card Debt

💥 Using My Debt Freedom Arsenal™ In Just 12 Months With Only 30 Minutes/Week

Get started with this complete step-by-step system that takes you from drowning in debt to your first month of financial breathing room, even if you've never stuck to a budget before.

keep reading to learn more

Ever Felt Like Getting Out of Debt Means...

Budgeting systems that require tracking every penny...

Waiting months (or years) to see your balance actually drop…

Needing perfect discipline and being stuck on the deprivation treadmill…

Why Many People Fail at Getting Debt-Free

Getting out of debt isn't hard because there aren't solutions. It's hard because:

They don't have a proven, sustainable system that actually works.

They get stuck in “budgeting hell” and never take action.

They have no clue how to stop the cycle of minimum payments.

I know, because I was there too.

Less than 2 years ago, I was struggling

I wanted to get out of the endless cycle of debt, but nothing worked. I tried everything...budgeting apps, debt consolidation, extreme frugality - but everything was either too complicated, too restrictive, or too unrealistic.

Then I learned the Debt Freedom Arsenal™

It changed everything.

Why the Debt Freedom Arsenal™ is the #1 Debt-Relief Method in 2025

Every broke person needs one thing to survive: a system that actually works.

And the best way to turn financial chaos into financial control? The Debt Freedom Arsenal™

The Debt Freedom Arsenal™ isn't just a budget but it's a complete financial transformation designed to:

Stop the minimum payment trap with targeted debt elimination using proven snowball vs. avalanche methods

Build guilt-free fun money so you don't sabotage your progress with deprivation

Negotiate your way to freedom with pre-written scripts that lower APR and eliminate fees

Since creating The Debt Freedom Arsenal™, I've:

Never been stressed about money. I literally sleep through financial emergencies now.

Helped families free up $100-$300/month in hidden expenses they didn't even know they were bleeding

Freed myself from paycheck-to-paycheck living & doing financial gymnastics that drains my soul.

The Debt Freedom Arsenal™ is the backbone of debt freedom, and the people who can master it are in COMPLETE CONTROL.

But here's the thing... not all debt payoff methods are the same.

The Problem With Typical Debt "Solutions"

There's a reason most people struggle to get out of debt permanently, they're using band-aids, not systematic debt-crushing machines.

A typical debt approach just:

Creates restrictive budgets without addressing money psychology or strategy

Only focuses on cutting expenses. No creditor negotiation, no hidden expense elimination, no sustainability

Leaves money on the table with basic advice that doesn't work in real life

This is why they stay broke. They don't apply complete, life-changing debt elimination strategies.

**A Debt Freedom Expert is Different**

A Debt Freedom Expert is a systematic debt crusher, not just someone cutting expenses.

They don't create random budgets, they build systematic approaches that generate real freedom consistently.

They don’t just pay bills. They build automated debt-crushing systems.

Here’s what sets a Debt Freedom Expert apart:

Creates psychology-tested 4-accounts systems that solve real problems people pay face daily

Builds automatic savings systems (so money actually gets saved and grows)

Designs complete debt negotiation strategies (no amateur-minimum payment setups)

Handles creditor negotiations, subscription elimination & wealth building

Scales multiple debt reduction strategies simultaneously for maximum financial potential

This is why Debt Freedom Experts get free and stay free while typical budgeters stay broke.

Because they have the system to escape the endless debt cycle. Not just pay bills.

💰

The Best Part?

You Can Do This SOLO.

A few years ago, it took an entire team to get out of debt—financial advisors, accountants, debt counselors, credit repair specialists.

But in 2025, AI, automation & proven systems have changed everything.

🔥 Now, you can build & launch a complete debt-freedom plan, completely solo.

That's why this method is exploding right now. The demand for financial freedom is higher than ever and the people who master debt freedom are positioned perfectly to break free with this opportunity.

Now... Because so many people ask me how they can get started building their own debt-free plan... I decided to create:

Debt Freedom Arsenal™

Your Complete System To Becoming Debt Free

With it you'll get instant access to:

Debt Freedom Arsenal™ Masterclass:
A complete step-by-step, over-the-shoulder training for building & scaling your financial debt-free life.

4-Account Freedom Framework: How I use my proven system to manage debt, bills, savings, and fun without guilt or tracking every penny.

Debt Elimination Calculator: A complete breakdown of my methods to use for maximum debt payoff and financial control.

30-Minute Weekly Ritual Blueprint: My exact process for staying on track with just 30 minutes a week plus advanced debt relief strategies that work.

Negotiation Toolkit: Pre-written email & call scripts for APR interest % reduction, waived fees, and hardship programs.

PLUS: If you join now, then you'll also get all these Bonuses For FREE:

BONUS #1: Debt-Free Milestone Tracker: Gamify your progress and stay motivated throughout your journey.

BONUS #2: Emergency Fund Fast-Track Guide: A step-by-step blueprint that shows you how to build your first $1,000 safety net in 90 days without sacrificing your lifestyle.

BONUS #3: Subscription Killer Method: Guided instructions to cancel unused services & free up $100–$300/month instantly.

BONUS #4: Debt Negotiation AI Letter Generator: Use ChatGPT prompts to auto-generate negotiation letters tailored to your situation with fill-in-the-blank templates.

So if you're ready to start building your debt-free empire, click the button below and I'll see you inside the Debt Freedom Arsenal™! 👇

4.7 / 5 based on 2,847+ students

**The Complete Step-By-Step System To Becoming Debt Freedom Expert In 2025**

Debt Freedom Arsenal™ Masterclass: A complete step-by-step, over-the-shoulder training for building & scaling your financial debt-free life.

4-Account Freedom Framework: How I use my proven system to manage debt, bills, savings, and fun without guilt or tracking every penny.

Debt Elimination Calculator: A complete breakdown of my methods to use for maximum debt payoff and financial control.

30-Minute Weekly Ritual Blueprint: My exact process for staying on track with just 30 minutes a week plus advanced debt relief strategies that work.

Negotiation Toolkit: Pre-written email & call scripts for APR interest % reduction, waived fees, and hardship programs.

PLUS: If you join now, then you'll also get all these Bonuses For FREE:

Debt-Free Milestone Tracker:

Gamify your progress and stay motivated throughout your journey.

Emergency Fund Fast-Track Guide A step-by-step blueprint that shows you how to build your first $1,000 safety net in 90 days without sacrificing your lifestyle.

Subscription Killer Method:

Guided instructions to cancel unused services & free up $100–$300/month instantly.

Debt Negotiation AI Letter Generator: Use ChatGPT prompts to auto-generate negotiation letters tailored to your situation with fill-in-the-blank templates.

$97 only $27 today -72%

you're saving $70

results

there's more than one way to benefit from mastering debt Freedom

results

hear what others have to say:

results

some of what's possible as a Debt Freedom expert

"Paid off $8,762 in credit card debt in just 9 months. For the first time in years, I'm not living paycheck to paycheck."

Sarah J.

Working Mom

"Saved over $1,450 in interest and late fees just by sending the debt negotiation emails. My credit score even jumped 72 points"

Mike T.

Small Business Owner

"I freed up $327/month by cutting hidden subscriptions and wasteful spending. That money now goes straight to debt payoff."

Elena R.

Teacher

"For the first time, I know the exact month I'll be debt-free (March 2026). That clarity alone lifted a huge weight off my shoulders."

Kevin L.

Construction Worker

Here's What You'll Be Able To Create Inside The Debt Freedom Arsenal™

My step-by-step PDF playbook and templates show you how I build & scale debt-free lives like these for financial freedom and replacing your financial stress.

Ready To Master A Proven Debt Freedom Method That Actually Works?

Get Debt Freedom Arsenal™ for only ~~$97~~ $27 today!

4.7 / 5 based on 2,847+ students

Everything You Need To Get Started As A Debt Freedom Expert

1. The 4-Account Budgeting Method

A complete breakdown of how to structure your money for automatic debt elimination without tracking every penny.

2. Debt Avalanche vs Snowball Calculator

Choose your debt elimination method and see exactly when you'll be debt-free with my automated calculator system.

3. The 30-Minute Weekly Ritual

My exact weekly system that keeps you on track in under 30 minutes per week—no complicated spreadsheets required.

4. My Negotiation Toolkit

Pre-written email & call scripts for APR reduction, waived fees, and hardship programs that actually work.

5. What I Wish I Knew When Starting

My A-Z of things I wish I'd known when I was drowning in $20,347 of debt and had to learn the hard way over those brutal 2 years.

6. Emergency Fund Fast Track

How to build your $1K safety net in 90 days without sacrificing your lifestyle or progress.

7. Subscription Killer Method

My systematic approach to cancel unused services and free up $100–$300/month instantly.

8. Debt-Free Milestone Tracker

Gamify your progress and stay motivated with visual tracking that makes debt elimination addictive.

4.7 / 5 based on 2,847+ students

Here’s What You Get When You Join Today

When you grab the Debt Freedom Arsenal™, you're not just getting a complete step-by-step system to building and scaling your first debt-free life, you're also getting instant access to 🎁 4 Bonuses I personally designed to skip the trial & error I had to go through when getting started.

included

The Complete Debt Freedom System

The step-by-step beginner-friendly masterclass to becoming a Debt Freedom Expert and learning to build financial empires - even if you've never stuck to a budget before.

Debt Freedom Arsenal™ Masterclass:
A complete step-by-step, over-the-shoulder training for building & scaling your financial debt-free life.

4-Account Freedom Framework: How I use my proven system to manage debt, bills, savings, and fun without guilt or tracking every penny.

Debt Elimination Calculator: A complete breakdown of my methods to use for maximum debt payoff and financial control.

30-Minute Weekly Ritual Blueprint: My exact process for staying on track with just 30 minutes a week plus advanced debt relief strategies that work.

Negotiation Toolkit: Pre-written email & call scripts for APR interest % reduction, waived fees, and hardship programs.

🎁 3+ Bonuses to Fast-Track Your Success

included

Debt-Free Milestone Tracker

Gamify your progress and stay motivated throughout your journey.

included

Emergency Fund Fast-Track Guide

A step-by-step blueprint that shows you how to build your first $1,000 safety net in 90 days without sacrificing your lifestyle.

included

Subscription Killer Method

Guided instructions to cancel unused services & free up $100–$300/month instantly.

included

Debt Negotiation AI Letter Generator

Use ChatGPT prompts to auto-generate negotiation letters tailored to your situation with fill-in-the-blank templates.

Yours Today for Only

$97 $27

4.7 / 5 based on 2,847+ students

here's where you'll be with the Debt Freedom Arsenal™

Get Debt Freedom Arsenal™ for only ~~$97~~ $27 today!

4.7 / 5 based on 2,847+ students

step 1

Debt Freedom Foundation

You'll understand how to identify your debt traps, create your elimination strategy, and set up your first complete 4-Account system from scratch.

step 2

Automated Money Systems

You'll know how to automate your finances, build your emergency fund efficiently, and create sustainable spending that includes guilt-free fun.

step 3

Wealth Building & Freedom

You'll know exactly how to accelerate your final debt payments, optimize your income and expenses, and build a complete financial freedom empire.

Who Is This Program For?

✅ This program is PERFECT for you if:

You want to build a flexible path to debt freedom.

You want a step-by-step roadmap to confidently start eliminating debt and keep your sanity.

You’re excited to create systems that help your family's finances grow and scale.

You want to learn a skill that’s life-changing and immediately actionable.

❌ It's NOT for you if:

You're expecting instant results without putting in the work to set up properly.

You're not interested in learning a systematic approach to eliminating debt permanently.

the system that finally set me free 💸

Hey, my name's Floruen, and just 2 years ago, I was burned out...

I'd spent years making decent money with a stable job and what looked like a normal middle-class life. I had the house, the cars, and all the stuff that's supposed to make you happy.

Sexy and great right? To the outside world yes but inside it ate me alive and I lost completely who I was overnight. The $20,347 in credit card debt literally sucked everything out of my soul each and every day like a dementor, and I'd had enough!

I remember lying awake at night, staring at the ceiling, wondering what I was going to pay the bills and how I'd find my way back to financial sanity. I was overwhelmed, out of options, and scared for the future.

That's when I started my learning and applying of the Debt Freedom Arsenal™ 2 years ago.

In just a few months, I learned how to follow a simple, yet effective debt elimination system that actually worked.

I paid off my first credit card shortly after and as I kept using the system more debts started disappearing.

Within 12 months, I went from asking, "How will I ever get out of this?" to wiping out $20,347 in credit card debt completely. This is when I realized the power of having a real financial system!

Now I'm debt-free and loving every moment without worry, all from my simple debt freedom system knowing I now have the skills to not only breathe above water, but help others do the same.

Hear it from them
not me

🧠 Why This Is a

No-Brainer Investment

I've invested thousands of hours into eliminating my own debt and testing what works and more importantly what doesn't.

Not to mention the tens of thousands of dollars I wasted on failed budgeting apps, debt consolidation scams, and financial "gurus" to figure this out.

This isn’t just theory.

I'm living debt-free every day, helping families eliminate debt and building wealth across multiple income levels.

My network includes debt-free millionaires and financial freedom experts and we're constantly sharing the latest strategies, insights, and tweaks so I'm able to share what's working and what isn't in the current market.

And now you get to skip the trial and error and not go through the confusing and overwhelming journey it took to get me where I am today.

I've broken everything down to get you going as quickly as possible. And it's exactly what I wish I had when I was drowning in $20,347 of credit card debt 2 years ago.

Backed by my 30-Day Money-Back Guarantee

I'm so confident in this system that I'm offering you a 30-day money-back guarantee.

If you go through the program and don't feel confident that Debt Freedom Arsenal™ is the right method for you, just drop me an email within 30 days to [email protected], for a full refund.

still got questions?

What exactly is the Debt Freedom Arsenal™, and how does it work?

The Debt Freedom Arsenal™ is a complete PDF playbook that shows you how to eliminate debt using my proven 4-Account System. You'll get the exact budgeting method, debt elimination calculators, negotiation scripts, and AI tools I used to wipe out $20,347 in credit card debt in just 12 months. Everything is step-by-step, so you can copy my system exactly.

Will this program teach me how to eliminate my debt from start to finish?

Yes! This program is designed to take you from drowning in debt to completely debt-free. You'll learn how to set up the 4-Account System, choose between snowball vs. avalanche methods, negotiate with creditors, build your emergency fund, and create a sustainable plan that actually works in real life.

Do I need any prior experience or technical skills to join?

Not at all! This program is designed specifically for people who've failed at budgeting before. You don't need spreadsheet skills, accounting knowledge, or technical experience. The 4-Account System is intentionally simple. If you can open a bank account, you can do this.

How much time will it take to complete?

You can read through the entire playbook in a weekend, but the real magic happens with the 30-minute weekly ritual. Most people see their first debt eliminated within 30-60 days, and complete debt freedom typically happens within 12-24 months depending on your starting point.

Will this program help me become completely debt-free?

Absolutely! The system is designed to eliminate ALL your debt (except your mortgage or car payments). You'll get the exact calculators that show you your debt-free date, plus the negotiation scripts to lower interest rates and eliminate fees. This isn't about managing debt...it's about destroying it completely.

What happens if I get stuck or have questions?

You'll get access to our support team where you can email us anytime. Plus, the AI prompts included help you troubleshoot specific situations and stay motivated throughout your journey.

Will I need to spend money on software or tools?

Nope! Everything you need is included in the Arsenal. The calculators work in free Google Sheets, the templates are ready-to-use PDFs, and the AI prompts work with free ChatGPT. The only "investment" is opening the bank accounts for your 4-Account System.

What's included in the $27 investment?

You get the complete Debt Freedom Arsenal™ playbook, the 4-Account budgeting method, debt elimination calculators, negotiation scripts, milestone tracker, plus 4 bonus guides: Debt-Free Milestone Tracker, Emergency Fund Fast Track, Subscription Killer Method, and AI Negotiation Letter Generator. Everything you need to go from debt-stressed to debt-free.

🔥Debt Freedom Arsenal™ Is The Proven Method That Actually Works!

This is your chance to learn a systematic method that eliminates debt without tracking every penny.

Get Debt Freedom Arsenal™ for only ~~$97~~ $27 today!