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Our purpose is to help you learn how to deal with Debt Reduction, Budgeting, Cash Flow and related items.  We teach you the essential skills you need to deal more effectively these issues.    

Join us each week for posts on the Budgeting Essentials Blog and the Debt Relief Journey Blog.


Learn more about Paying Off Student Debt


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Budgeting Essentials:

Cash Flow Workshop



You could be dealing with debt challenges like student loans or credit cards. 

Your business may need some budgeting and cash flow help,

You may just want to know more about one or both topics.

You are in the right place!

We are here to help you learn!


Anything you tolerate becomes normal to you. When you stop tolerating debt, you increase your ability to function without it.  You can get yourself debt free. It will take you some time, but the end is worth it!- Dan Heiland


Our leader, Dan Heiland, has over 30 years experience in Accounting, budgeting, cash flow and debt reduction. 

He writes and conducts comprehensive, step by step training in these areas. 

He has trained groups of individuals, large groups and groups sized in between those two groups. 

Here are some comments from people Dan has worked with:



K.D. from Minnesota said:

"Dan takes his time describing each step.  He helped me to really 'get' Budgeting & Excel!"

Jeanne says:

"Dan Heiland’s number one skill is relaying information in a way that the ‘receiver’ can understand.  When Dan was our accounting manager, he was able to explain why and how something worked in a way that a non-accounting person could understand.  Dan has so many wonderful business skills: professionalism, follow-up, multi-tasker, seasoned, I could go on and on!"

Frank says:

"In my opinion your number one skill is your quiet but strong focus and determination to complete whatever problem is given to you.  You would stay with an issue until resolved no matter the length of time. Your loyalty to a cause was appreciated."


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Visit the KAT HEIL, LLC website to see our Eradicating Emotional Pain Blog & our Your Keto Journey Blog

You can also visit the Kat Heil, LLC STORE to purchase eBooks from the Recipes for Life series. 

These practical books are another way we are helping you overcome life's everyday issues.

If you have questions or comments, use the Contact Form on the CONTACT US page.

YouTube Playlists:

Get Debt Payoff Minded

How to pay down debt NOW

Pay off debt now! 

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What about my Student Debt?


You went to college to get a better job and make more money.  But now you feel discouraged and disappointed. Instead of having more money, it feels like you actually have less money because of the payments you are making on your student loans.  Don’t despair, those payments don’t have to last the rest of your life!

There are some very valid reasons that it feels like it is taking forever to pay your loans off.

We live in a culture where you can get virtually everything instantly.  Smart phones give you access to people and information from almost anywhere, right at your fingertips!  Fast food restaurants pride themselves on serving you quickly. Microwave meals are a big meal preparation shortcut. Even mortgage companies give you quick responses on loans for customers who use their apps.

If you add to that all the publicity in the news about political candidates wanting to reduce student debt, it is no wonder that you are feeling dissatisfied.

But should you wait for the government to solve the student debt issue for you? 

If you wait for the government, you’re very likely to be disappointed.  A much better solution is to attack your student debt yourself. 

As it is with any debt, eliminating student debt is a very straightforward process. Please don’t misunderstand me here, I am not saying that paying off your student debt is easy. For most people it is not. 

But just because paying off your debt is not easy, doesn’t mean you shouldn’t make the effort to pay the debt down quickly.  


You should make the effort.


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