Debt Navigator

THE RESULTS ARE IN, YOU’RE A DEBT NAVIGATOR

You’re a social worker who is struggling with an overwhelming amount of debt. You’re aware of the financial challenges you face, but not quite sure how to move forward.

Your approach to managing finances is often reactive rather than proactive. You may avoid looking at your bank statements or feel a sense of dread when bills arrive. 🫣

As a social worker, you are deeply compassionate and dedicated to your work often going above and beyond for your clients but…


…the constant stress of managing debt and bills can feel all-consuming, affecting your overall well-being and leaving you feeling stuck in a cycle of financial instability. 😰

You find yourself constantly worrying about bills and debt. Managing your finances feels like trying to swim against a strong current. It’s overwhelming, and you often feel like you’re drowning.

Despite these challenges, you remain committed to your work and your clients…

SOOOO, NOW WHAT?

👇🏾

You’re feeling the weight of your debt, and it’s understandable. It can be overwhelming, but know that you’re not alone in this journey. The first step is acknowledging where you are and recognizing that change is possible.

As a dedicated social worker, you already possess the resilience and determination needed to tackle these challenges. To start moving forward, focus on taking small, manageable steps to regain control of your finances.

Taking control of your debt starts with small, manageable steps that can lead to significant progress over time.

Here are 4 action steps that you can start implementing today:

1. List your debts:

Write down all your debts, including who you owe, the amounts, interest rates, and due dates. Use this printable to help you organize the information.

2. Track your income and expenses:

Reviewing your income, spending, and expenses gives you a firsthand look at how much you make each month and where your money goes. How to get started:

  • Print out 2-3 months’ worth of bank statements
  • Get various color highlighters or pens and designate each color to a category (e.g. pink is dining out, yellow is shopping, green is groceries). Highlight each expense with the assigned color for that category
  • Add up each category to see the total amount spent

3. Set financial goals:

Define clear, achievable goals such as paying off a specific debt or saving a certain amount each month.

4. Create a budget:

I think we often start with making the budget first and then fail because we weren’t fully informed of our financial pictures (I’ve been there.) If you need a budget template, check out this one I have for Google Sheets on Etsy.

Doing these 3 steps first will help you make educated decisions about how much to budget for each category and guide you in having a spending plan that’s in line with your values.


To help you on your journey to financial stability, I’ve gathered some of my top resources that have proven invaluable for managing debt.

These tools and guides are designed to provide you with practical advice, professional support, and actionable steps to take control of your financial situation.

This page may contain affiliate links. I might receive a commission if you click a link or button on this page and choose to purchase something at no extra cost to you. I only share things I believe in and think are of value!

debt navigator resources

Personalized Student loan plan

Get a customized student loan payoff plan by a student loan professional. If you book through this link, you get $100 off!

get support
debt payoff podcast list

Curated list of podcast episodes specifically related to helping you manage all things debt related.

listen here
favorite personal finance book

My favorite book to help you explore your beliefs about money while also getting actionable tips to manage it all. HIGHLY RECOMMEND!

buy it here
debt payoff course

This course is by Tori Dunlap at Her First 100k. Learn about your debt and make a plan to pay if off — without the shame or judgment!

Learn More

You are on your way! ✨

Remember, you’re not alone in this journey. Take things one step at a time, and celebrate your progress along the way.

If you ever need more support or have any questions, don’t hesitate to reach out. You’ve got this!


Hi, I'm Taylor!

Hi, I’m Taylor!

The social worker behind this quiz

As a social worker in thousands of dollars in debt, I found so much support and resources online that helped me begin my debt payoff journey in May 2022. This blog is my way of sharing what I have been learning to help others.

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