MAKE REAL PROGRESS
A Practical Guide to Getting out of Debt and Staying outBy Wanda Gaines
Length54m
About this audiobook
Paying your bills isn’t the same as making progress.
Make Real Progress is a practical, no-nonsense guide to understanding why your debt may not be going down—and how to change that.
This book breaks down how payments are really applied, how interest works against you, and why certain habits keep you stuck.
More importantly, it shows you how to understand your numbers, track your progress, make smarter decisions, and finally start reducing your balances in a meaningful way.
You’ll learn how to face your debt without flinching, understand credit utilization, build habits that actually stick, recover when you slip, and keep moving forward—even when progress feels slow.
And if you’re ready to put what you learn into action, the Make Real Progress app can help you organize your debts, track your progress, and see exactly where you stand. Visit MakeRealProgressApp.com to get started.
If you’re ready to stop guessing and start seeing real results, this is where you begin.
Audiobook details
GenreBusiness and Economics, Self-Help
Length54 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateApr 27, 2026
LanguageEnglish
Table of contents
1Opening Credits
2Getting Started
3Pull Up a Chair
4Chapter 1 — Nothing Changes Until, You change
5Chapter 2 — MOVE, This is Your Personal Wake-Up Call
Show all chaptersShow less
6Chapter 3 — Stop Avoiding the Numbers
7Chapter 4 — The Emotional Side of Debt
8Chapter 5 — Your Real Financial Snapshot
9Chapter 6 — The 30% Utilization Wake-Up Call
10Chapter 7 — Why Minimum Payments Keep You Stuck
11Chapter 8 — The Trap of “I’ll Fix It Later”
12Chapter 9 — Debt Snowball vs. Strategy
13Chapter 10 — The $3,000 Decision Mindset
14Chapter 11 — Credit Cards vs. Loans
15Chapter 12 — Emergency Fund Reality
16Chapter 13 — Staying under 30%
17Chapter 14 — Habits That Stick
18Chapter 15 — When You Slip Up
19Chapter 16 — What Progress Really Looks Like
20Chapter 17 — One Year From Now
21Bonus Reflections
22Closing Credits
23Sample
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