Did you go a little crazy over the holidays and rack up more debt than you realized?

Isn’t it time to get out of Debt and learn the tools you need to stay out of debt for life?

Debt carries with it feelings of shame and inadequacy causing you to doubt your ability to manage your money and your life. It robs you of having  money for the future and the things you want for yourself and those you love. It causes you to feel anxious and for some affects their ability to sleep, sometimes leading to illness.

Debt also affects our relationships. So many of my clients are afraid to tell their loved ones and themselves how much debt they have so they hide it from them which affects trust in their relationships. They feel guilty all the time and are always worried about being found out. When they confess to me how much money they owe they sound like they have committed an awful crime.

Many people get out of debt only to find themselves back in a few months later. Some are very good at getting out of debt again and again. So, the real questions are how do we stay out of debt and what causes us to be in debt in the first place?

Debt affects people of all income brackets. This is definitely not an issue only for those who make little money. It has become an epidemic in the United States. Many people consider it part of the cost of living.


This course is for you if:

You have tried to get out of debt but failed

You have gotten out of debt before but find yourself back in debt

You are afraid to look at your credit card statements

You can’t imagine how you could get by, without your credit cards

You’re sick and tired of having all your extra money going toward debt repayment


This is how the course works:

Each week I will send you a link for a live Zoom meeting.

There will be 5 weekly sessions

You will be able to see my presentation on your screen.

That’s right I will be running the class myself each and every week.

In between classes you can meet with your classmates on a private Facebook page to discuss your difficulties and successes.

You will  be paired up with a partner to help hold you accountable and to check in with to support you in getting the work done.

You will receive one free individual coaching session with me to discuss anything you might not feel comfortable talking about in front of the group.

You can email me with questions at any time during the course. 


Here is what we will cover:


Week #1: Understanding your relationship to debt and what it is costing you

What does your family history tell you about your money behavior?

How is debt affecting your self-esteem and your ability to move forward in your life?

How do you see yourself?

Debt and personal relationships

Needs vs wants

Week #2: What is your current Reality

How much total debt do you have?

The differences between different kinds of debt

How much are you paying for your debt?

Discuss options for reducing interest rates on debt

Learning to say no to yourself and others

Week #3: Stabilizing Debt

How much is life costing you?

Creating a Periodic Expense calendar

Setting up a Cash flow schedule

Uncovering how much you can comfortably afford to put toward your debt

Personal loans and student loans                     

Week #4: Reducing Debt

Creating Your debt reduction Plan

What to do if you don’t have the money to make your minimum payments

How to apply for debt repayment plans from credit card companies

The difference between debt consolidation loans and debt consolidation programs

How to talk to credit card companies and collection agencies

How working with debt consolidation affects your credit score

Week #5 Putting it all together

Working the plan

Computer programs that can help

Tracking your spending to make sure you are sticking to the plan

Improving your credit score and why that is important

Saving for emergencies and retirement

Personal forgiveness

During this class you will:


  • Uncover what causes you to go into debt
  • Create strategies to keep you from needing to go into debt ever again
  • Understand the difference between your true needs and your wants
  • Plan for expenses that happen only once in a while or are unexpected that cause people to use credit
  • Create a debt reduction plan
  • learn ways to decrease the amount of interest you are paying until you can pay off the debt

The class will be limited to 25 participants so you’ll have plenty of individual attention.

Wouldn’t it feel amazing to stop making excuses and finally have a handle on your money, and have a plan in place to have no more debt, ever?

  • Online Class
  • Tuition: $395.00
  • 5-Weeks
  • Starts Tuesday, February 22, 2022
  • 7:00 PM – 8:30 PM Central Time USA

Sheryl Kosovski

Certified Money and Business Coach

I think of myself more as a self-love coach than as a money coach. I help my clients see their value, so they come to believe they are worthy of more. Sure, I also teach them to make spending plans and how to get out of debt and save. More importantly, I help them to see that by taking care of their money they can better take care of themselves and the people they love.

Self-love? What does that have to do with managing money and financial success, you may ask?

Well, everything.

” I appreciate the opportunity to have been able to take this course and working directly with Sheryl. I think this course, and her other services, are vital resources for anyone, particularly those who are working with limited financial resources.”

Shira Glogower