Debt Reduction Primer

Debt Reduction made easy!

Learn the Crucial Keys to debt reduction!

 Join me for my FREE

 Budgeting Essentials

 Debt Reduction Primer 

online Class.

Learn what debt is and what it means to you.

 Find out what "solutions" don't work!

 Find out what tools to use and what you need to do to reduce your debt permanently!


Helping you overcome life's everyday issues!

Thank you for visiting 

Home of the Budgeting Essentials training programs!

My purpose is to help you overcome issues you are having with Debt Reduction, Budgets and related issues like Cash Flow.  I teach you the essential principles you need to overcome these issues and how to use Excel spreadsheets and basic Accounting to put those principles into practice.  

Join us every Monday for a new Budgeting Essential BLOG post on the Practical Excel Accounting blog.


Sign up for the next session of our FREE Budget Prep Workshop!




Visit site to see our Eradicating Emotional Pain blog 

or our YourKetoJourney 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.