Clear Your Debt — A Debt Payoff Plan for Every Salary

Clear Your Debt — A Debt Payoff Plan for Every Salary is Book 4 of Alduraihem International’s “Your Money in Your Hands” series: a practical, illustrated guide for every employee in Kuwait and the Gulf, Kuwaiti or expat, who wants to get free of loans, credit cards, instalments, buy-now-pay-later and debts to family and friends. It shows how to list all your debts on one page and work out your debt-to-income ratio, how to stop new debt, and the well-known payoff methods (snowball, avalanche, consolidation and rescheduling) with worked examples in Kuwaiti dinars, followed by three full chapters by salary: small (250–450 KD), medium (500–1,000 KD) and above 1,000 KD (1,200–2,500 KD), each with two realistic examples, month-by-month payoff tables, charts and a budget while repaying. Further chapters cover negotiating with banks and creditors (with ready scripts), writing down debts with family (the Verse of Debt), an emergency fund, increasing your income, avoiding a return to debt, and what to do if you can’t pay. Across 58 pages it includes a 30-day starter plan and six ready-to-print templates: a debt list, a snowball/avalanche planner, a payoff tracker, a monthly budget, a creditor call log and a debt-free countdown.

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