Get the Hell Out of Debt: The Proven 3-Phase Method That Will Radically Shift Your Relationship to Money
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- Create Date：2021-07-21 10:51:32
- Update Date：2025-09-06
- Status：finish
- Author：Erin Skye Kelly
- ISBN：1642939552
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Summary
Thousands of amazing humans have eradicated millions of dollars in debt because Erin Skye Kelly taught them how to get the hell out of it！
Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free。 She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it。 When Kelly figured out the two most important tools to money management—and started achieving massive results—other women wanted to join in on the debt-free journey。 With her sense of humor and straight-shooting sensibilities， Erin began transforming lives。
This book is not only a step-by-step process that will walk you through how to pay off your debt—it’s a deeply personal journey centered around changing your mindset。 As you master each of the three phases through repetition， you will create your own financial freedom， allowing you to live debt-free forever and create wealth and abundance that will positively impact your life—and the people you love and serve。
No matter how much consumer debt you carry， this book is a judgment-free zone from cover-to-cover。 Your dreams are welcome here。
Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free。 She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it。 When Kelly figured out the two most important tools to money management—and started achieving massive results—other women wanted to join in on the debt-free journey。 With her sense of humor and straight-shooting sensibilities， Erin began transforming lives。
This book is not only a step-by-step process that will walk you through how to pay off your debt—it’s a deeply personal journey centered around changing your mindset。 As you master each of the three phases through repetition， you will create your own financial freedom， allowing you to live debt-free forever and create wealth and abundance that will positively impact your life—and the people you love and serve。
No matter how much consumer debt you carry， this book is a judgment-free zone from cover-to-cover。 Your dreams are welcome here。
Reviews
Corinne DeCost
，
Debt has ruled my world since I graduated college。 I’m down to $10k of student debt， and I’m hoping to be done with it soon。 As a student of the #GetTheHellOutOfDebt program， I cannot say enough good things about it。 My first job out of college was doing social media for a financial company， and I know firsthand how dry and daunting the topic can be - Erin’s wit and candor makes it simple and takes away the shame that is so often an obstacle to even having a conversation about money
Cindy Van Leest
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OMG…。I’ve never read such an can’t put it down book about money。 Erin Skye Kelly is brilliant and hilarious。 For the first time in my life （and I’ve been around a while） I don’t have a feeling of shame around money and as an accountant who has blown all the dollar bills on priceless treasures， I was swimming in the shame sea。 This book makes you feel like you’re “normal” for being in debt and offers practical， real life， easy to follow ways to eliminate debt and start breeding those money bunnie OMG…。I’ve never read such an can’t put it down book about money。 Erin Skye Kelly is brilliant and hilarious。 For the first time in my life （and I’ve been around a while） I don’t have a feeling of shame around money and as an accountant who has blown all the dollar bills on priceless treasures， I was swimming in the shame sea。 This book makes you feel like you’re “normal” for being in debt and offers practical， real life， easy to follow ways to eliminate debt and start breeding those money bunnies。 This fully comprehensive book takes you from the red to the black and beyond as you learn to eliminate debt and build wealth。 Thank you Erin for using your lessons around money to teach the world how to get the hell out of debt。 。。。more
Shelby C
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This book makes you realize that you are not alone in the world of Debt Accumulation。 It gives a real world approach to it， and lets you engage with the author。 I got a sense that I knew her， even though we have never met。 We share similar interests， and I understood the examples that she would put out。 Never once was it made to make you feel bad about being in debt。 I highly enjoyed it and am already putting the ideas in to practice。 Thank you！
Dana Brousseau
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FIrst of all， the words DEBT and BUDGET are not sexy， and to be quite honest can be downright frightful。 If you are reading this review， then chances are you are looking to improve your relationship with your money。You are in the right place！ What I am loving about this book is that it is completely NON-JUDGEMENTAL of wherever you are starting with your money。 However， don’t be fooled - Erin Skye Kelly gives it to you straight。 She helps you get clarity about your money so you can be certain abo FIrst of all， the words DEBT and BUDGET are not sexy， and to be quite honest can be downright frightful。 If you are reading this review， then chances are you are looking to improve your relationship with your money。You are in the right place！ What I am loving about this book is that it is completely NON-JUDGEMENTAL of wherever you are starting with your money。 However， don’t be fooled - Erin Skye Kelly gives it to you straight。 She helps you get clarity about your money so you can be certain about how to track it and have an easy-to-use system to make it work for you， so you can GET THE HELL OUT OF DEBT！Additionally， the tools she gives you are simple to understand and practical to use - no glazed eyes over here trying to figure out mathematical equations。 These budgeting tools are tactical and actionable。My favorite part of all is Erin’s voice throughout the book - her witty humor combined with feeling like your best is the one teaching you （like being totally honest about your outfit when no one else is）。 This is an absolute welcomed breath of fresh air in the world of budgeting and money management。Do yourself a favor and get this book！ 。。。more
Kendra Sommerville
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This book is AMAZING！！！ A real game changer with my relationship with money。 Budgeting is no longer scary after learning the importance of telling my money where to go， instead of trying to find out where it went。
Launa Reitbauer
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This book is a no should zone and also a great gift to anyone who is starting out， has been in debt， is in debt or wants to get out of debt。 Changing your behaviour to get money muscles is what Erin coaches you on from the very first page！
Tisha
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Don't let the title fool you。。。you don't need to be in debt to benefit from what's inside！ This book is packed with a lot of great information that everyone can make use of。 Erin's sense of humor made this the first finance book that was actually fun to read！ This book is going to help so many people！ Don't let the title fool you。。。you don't need to be in debt to benefit from what's inside！ This book is packed with a lot of great information that everyone can make use of。 Erin's sense of humor made this the first finance book that was actually fun to read！ This book is going to help so many people！ 。。。more
Lisa
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This book and the author are amazing。 I didn't buy to book to get out of debt but to learn about wealth building because the simple techniques described for getting the hell out of debt are the same for building wealth！ Erin Skye Kelly is insightful， funny， and non-judgemental。 This is a top 5 must have financial book。 Please gift it to anyone in your life， but particularly the young ones。 Let's save them from having to suffer through debt before getting to sustainable， community-giving wealth。 This book and the author are amazing。 I didn't buy to book to get out of debt but to learn about wealth building because the simple techniques described for getting the hell out of debt are the same for building wealth！ Erin Skye Kelly is insightful， funny， and non-judgemental。 This is a top 5 must have financial book。 Please gift it to anyone in your life， but particularly the young ones。 Let's save them from having to suffer through debt before getting to sustainable， community-giving wealth。 。。。more
Juanita Calvert
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I'm still reading but so far it has been great and has made me think about my finances。 I'm enjoying the book so far。 I'm still reading but so far it has been great and has made me think about my finances。 I'm enjoying the book so far。 。。。more
Lynn Robison
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Have you ever said “this is what we should be taught in school！！”Well if you are like me and didn’t learn about debt， keeping more of the money you make and how important saving for retirement is at school or at home， this is your book！！ Don’t expect a dry book that scolds you and makes you think it’s too late for you！ Erin meets you where you are now at any age！ You will even laugh！！ Exercises are practical and relevant！ Get this book and change your financial future！！！
Rachael Ann
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I was into this book the minute I started listening to it。 Erin’s infectious energy and enthusiasm will draw you in almost immediately and make you excited to learn about getting out of debt and managing your money responsibly in order to reach financial freedom。 The tools she gives are practical and easy to follow。 She is down to earth and her humour is warm and relatable。 You can begin to use the tactics she provides right away and see results fast if you are willing to commit to the methods i I was into this book the minute I started listening to it。 Erin’s infectious energy and enthusiasm will draw you in almost immediately and make you excited to learn about getting out of debt and managing your money responsibly in order to reach financial freedom。 The tools she gives are practical and easy to follow。 She is down to earth and her humour is warm and relatable。 You can begin to use the tactics she provides right away and see results fast if you are willing to commit to the methods in the book。 Would recommend to anyone serious about making the most of their money no matter what stage of life and financial situation you are currently in。 There is something to be gained for everyone 。。。more
Jenny Mckinney
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This book hooked me right from the start， I was blessed to get my hands on a copy before it released and I was blown away。 I have bought so many books on money and finance and I have never come across a book with so much in depth tangible actionable powerful steps delivered with such down to earth warmth， humour and tough love truth mixed with compassion。 This book is art！ Being able to take such an overwhelming subject for some and making it understandable and desirable to take action。 Wow。 Wel This book hooked me right from the start， I was blessed to get my hands on a copy before it released and I was blown away。 I have bought so many books on money and finance and I have never come across a book with so much in depth tangible actionable powerful steps delivered with such down to earth warmth， humour and tough love truth mixed with compassion。 This book is art！ Being able to take such an overwhelming subject for some and making it understandable and desirable to take action。 Wow。 Well done Erin Skye Kelly！ I highly recommend this book！ 。。。more
Kristy Kendall
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I bought the book and could not wait for it to come so I got the audio book too！ I binged it？ Still can’t wait to get the physical book。 This book is so well written， Erin is funny， tells it like it is but in a way that is gentle and stern all at the same time。 I laughed a lot while listening and even cried。 Can’t wait to gain the confidence to start having naked budget meetings。 Thank you Erin for putting this program into words！ Amazing！
T
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I really enjoyed reading Get The Hell Out of Debt！ I know that’s not a common comment to hear for a finance related book， but it’s true！ Reading it was like sitting down with a wise， funny， best girl friend that has your back with regards to anything related to managing finances。 The getting out of debt process was presented in a matter of fact way that made it easy to understand and the steps to apply the concepts were simplified。 There were so many relatable stories that kept things super ligh I really enjoyed reading Get The Hell Out of Debt！ I know that’s not a common comment to hear for a finance related book， but it’s true！ Reading it was like sitting down with a wise， funny， best girl friend that has your back with regards to anything related to managing finances。 The getting out of debt process was presented in a matter of fact way that made it easy to understand and the steps to apply the concepts were simplified。 There were so many relatable stories that kept things super light and kept me engaged while Erin was getting her points across。 Applying the process， creating new habits and being consistent with the process is the hardest part with anything new， and unlike most other finance books， Erin also weaved in methods to overcome difficult emotions， tools to create new habits and stay empowered which will help with long lasting change， no doubt。If you are just beginning to learn about managing your finances and getting out of debt or are just looking for new ideas to keep yourself out of debt and build wealth， read this book。 Enjoy！ 。。。more
Robin Hearley
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This book will totally transform the way you prioritize your finances。you will worry less about paying off debt， retire sooner， go on great adventures with family and help more people through charities。 Erin will show you how to be brave enough to master your money and focus on paying off consumer debt。 This is the only financial literacy book you will need。 The struggle ends here。
Jenn
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I have read and tried so many debt/financial books/programs。 The jars， the envelopes， baby steps。。while they all taught me something about money and debt nothing has stuck or made a lasting dent。 Erin writes as if she is a friend who really cares about you getting it right for yourself。 She shows you how to reach deep and look at the root of your relationship with money to make lasting change to be rid of debt once and for all。 This book is an easy read， funny and right up my alley。 It’s a MUST I have read and tried so many debt/financial books/programs。 The jars， the envelopes， baby steps。。while they all taught me something about money and debt nothing has stuck or made a lasting dent。 Erin writes as if she is a friend who really cares about you getting it right for yourself。 She shows you how to reach deep and look at the root of your relationship with money to make lasting change to be rid of debt once and for all。 This book is an easy read， funny and right up my alley。 It’s a MUST read for anyone ready to get off the hamster wheel once and for all。 Burn the rest other books or sell them to get your Q&D fund because you don’t need to search any further than Get the hell out of debt！ 。。。more
Laura McKinnon
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I don't usually enjoy budgeting/finance books， they are almost always dull and hard to get through。 This book was so fun！ The author was captivating and funny as heck。 It made me excited to open up my net worth and budgeting spreadsheets and make the necessary changes to see my money bunnies grow。 I am so excited to pass this book onto friends and family who need the expertise without drying out their eye sockets。 HIGHLY RECOMMEND！ I don't usually enjoy budgeting/finance books， they are almost always dull and hard to get through。 This book was so fun！ The author was captivating and funny as heck。 It made me excited to open up my net worth and budgeting spreadsheets and make the necessary changes to see my money bunnies grow。 I am so excited to pass this book onto friends and family who need the expertise without drying out their eye sockets。 HIGHLY RECOMMEND！ 。。。more
Jax Metz
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An entertaining， practical approach to changing your mindset and relationship with money。 Erin will walk you through the steps needed to get the hell out of debt， start saving， and eventually， get to investing。 A great starting point for anyone who's feeling overwhelmed by their finances。 An entertaining， practical approach to changing your mindset and relationship with money。 Erin will walk you through the steps needed to get the hell out of debt， start saving， and eventually， get to investing。 A great starting point for anyone who's feeling overwhelmed by their finances。 。。。more
Cheyenne Rykiel
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Get The H*** Out Of Debt is not just a book about financial freedom。 It’s also a journey to personal， emotional， mental， and physical freedom that will have your jaw on the floor at times， cracking up you can’t believe what you just read， or crying tears of breakthrough because it finally makes sense why you are the way you are。 You get SO much out of reading this book and Erin has such a beautifully poetic and comedic way of making financial literacy fun， hilarious， and exciting。 Even if you’re Get The H*** Out Of Debt is not just a book about financial freedom。 It’s also a journey to personal， emotional， mental， and physical freedom that will have your jaw on the floor at times， cracking up you can’t believe what you just read， or crying tears of breakthrough because it finally makes sense why you are the way you are。 You get SO much out of reading this book and Erin has such a beautifully poetic and comedic way of making financial literacy fun， hilarious， and exciting。 Even if you’re not in debt， there’s so many great takeaways from this and how the nuggets Erin instills into you！ You will not be disappointed when you read this book。 。。。more
Sheldon Seward
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Life Saving！The best non-judgmental， light-hearted， practice， easy to understand/apply book out there on this subject！ ESK is so relatable and funny！ And she’s been there！ She has gotten herself out of massive mountains of debt！ Now we get to learn and benefit from her mistakes and research to get The H*ll Out Of Debt abs become financially successful！ do yourself and your family a favor， and buy this book！！ You will not regret it！！
Julie Gathercole
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Spoiler Alert - this book will get you the hell out of debt！ Erin has an incredible way of breaking down the scary and making it approachable。 As someone who has used this approach and worked with Erin， I can tell you if you do what this book says you will get the Hell Out of Debt。 You’ll laugh so hard you cry， all while your net worth goes up！
Shelley M。
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If you have ANY consumer debt， you NEED this book。 I have been in and out of debt my whole life。 I was never really taught much about money。 I watched my parents and it became clear to me that women could not manage money。 I also realized that money was the cause of many arguments in a marriage。 As a teen and an adult， I did not respect money。 I respect it now。 I am a graduate of the GTHOOD program。 I was fortunate enough to meet Erin Skye Kelly through a friend and one of the first things I lea If you have ANY consumer debt， you NEED this book。 I have been in and out of debt my whole life。 I was never really taught much about money。 I watched my parents and it became clear to me that women could not manage money。 I also realized that money was the cause of many arguments in a marriage。 As a teen and an adult， I did not respect money。 I respect it now。 I am a graduate of the GTHOOD program。 I was fortunate enough to meet Erin Skye Kelly through a friend and one of the first things I learned from her is that when we are looking to change something about our lives we either have "reasons" or "results"。 Erin's no-bullshit approach to goal-setting is the same approach she uses to teach her clients how to GET THE HELL OUT OF DEBT！ This book is funny， informative， easy to follow and if you actually do "all the things" that Erin suggests， you will find your way out of the money pit many of us find ourselves in。 I downloaded the audio version of the book， which I HIGHLY recommend because it is narrated by ESK herself。 But even if you don't want the audio version， you will hear her voice in your head on every page as she explains the phases of getting out of debt。 Early on in the book， she shares a great analogy that I'd like to share here: “It’s kind of like you’ve been handed a terrible plot， a not-so-great setting， a bunch of possibly insane political characters， a global health crisis， and a very scary and silent villain named Covid。 But the very fortunate part of it all is that you’ve also been handed a pen。 You get to write the next chapter of your life and make it mean whatever you want it to mean”。 So just because you are in debt and/or "have always had a bad relationship with money" it doesn't mean you have to continue that relationship。 It's really up to you。 You can have reasons or you can have results。 If you want results， pick up this book or download it from Audible。 。。。more
Mary-Sue Cowell
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Whether you have consumer debt or not this book is for you。 As someone who has had and still has a good relationship with money there are so many take aways in this book that are useful and easy to implement。 Erin stresses the importance of knowledge and empowers the reader to take control of their money and accounts， reminding the reader that this process is not an easy one and will take rolling up your sleeves and doing some work。 It will not only support your money habits long term it can imp Whether you have consumer debt or not this book is for you。 As someone who has had and still has a good relationship with money there are so many take aways in this book that are useful and easy to implement。 Erin stresses the importance of knowledge and empowers the reader to take control of their money and accounts， reminding the reader that this process is not an easy one and will take rolling up your sleeves and doing some work。 It will not only support your money habits long term it can improve how you approach relationships and it is all done through the non-judgemental lens of love。 This book is easy to read as it is infused with anecdotes and wit， all while telling you like it is and giving you the information you need。 There is something for everyone here and I highly recommend you pick up the book and get started today。 。。。more
Erin Fingler
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I was lucky enough to be able to get an advanced copy of this book。 While I haven't read it all yet， I'm loving what I have read so far。 First of all I love the fact that this is written by a woman and a Canadian。 She has real world advice and has lived the experience of getting out of debt。 She did it， so can we！ I was lucky enough to be able to get an advanced copy of this book。 While I haven't read it all yet， I'm loving what I have read so far。 First of all I love the fact that this is written by a woman and a Canadian。 She has real world advice and has lived the experience of getting out of debt。 She did it， so can we！ 。。。more
Meghan McQuillan
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If there was anyone who could write a book about finances， debt， and life all in one it’s Erin。 She inserted humor， used metaphors that I could relate too and laugh at as well。All fun aside， this book is a must no matter where you are at along your journey with money。 Not only is it a guide， it is a handbook or manual of sorts。 I’m so glad that I was able to read this book and start immediately to GTHOOD！
Tanya Ann
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If you’re looking to get the hell out of debt， reevaluate your relationship with money， and transform your financial future， this book will get you there！ You’ll find yourself laughing at how relatable the stories about money are as you recognize some of your own patterns！ This book is about getting really real – and she’ll call you on your bs the way that a best friend does！ She makes a “quick and dirty” fund the first priority and then reminds you how to make sure that you aren’t wasting money If you’re looking to get the hell out of debt， reevaluate your relationship with money， and transform your financial future， this book will get you there！ You’ll find yourself laughing at how relatable the stories about money are as you recognize some of your own patterns！ This book is about getting really real – and she’ll call you on your bs the way that a best friend does！ She makes a “quick and dirty” fund the first priority and then reminds you how to make sure that you aren’t wasting money saving it （bank fees – ohhh my gross！）。 Each chapter is a step by step guide to getting real with your brain’s relationship with money， and being accountable to you。 Aaaand – it isn’t just about money – it is about your relationship with yourself and others too！ The book reads like a really candid conversation with a （hilarious） friend， so the desire to devour it is definitely there。 At the end of the book you are left with a guide to revisit， a doable plan， and some inspiration to know that this isn’t just a dream – it’s YOUR PLAN for your BEST future – with a healthier relationship to an adult thing we seem to avoid talking about。 Our finances。 The best part of the book was that it served as a reminder that change is within my control， and that it takes getting real as the first step。 I am going to be giving this book to each of my young adult kids as Christmas gifts – they deserve to be set up for success！ 。。。more
Charlene Madden
，
I can’t say how much this book has impacted my life already。 This is one of the first financial assistance books I’ve read that hasn’t made me feel guilty for the choices I’ve made。 Her relatable style and simple and easy to incorporate phases have already allowed me to eliminate debt， and I feel like for the first time in years I can breathe。 I would recommend this book to anyone whether your debt load is small or seems overwhelming， and I will be buying copies for each of my 3 kids。
Annette Jalbert
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This book is a MUST HAVE！ Erin has the most light hearted， authentic， but not sugar coated way of explaining just how to get your financial picture in order！ I am recommending this book to anyone who wants to get out of debt and into building wealth。 This simple， yet not easy， method is achievable if you you follow Erin’s lead and do as she clearly states。 Oh and best of all Erin doesn’t use all the big fancy language to confuse her audience， she gives you the straight UNDERSTANDABLE goods！ Than This book is a MUST HAVE！ Erin has the most light hearted， authentic， but not sugar coated way of explaining just how to get your financial picture in order！ I am recommending this book to anyone who wants to get out of debt and into building wealth。 This simple， yet not easy， method is achievable if you you follow Erin’s lead and do as she clearly states。 Oh and best of all Erin doesn’t use all the big fancy language to confuse her audience， she gives you the straight UNDERSTANDABLE goods！ Thanks Erin for putting this gift onto the bookstore shelves and making it accessible to anyone！ Your knowledge and insight is a gift。 。。。more
Jenelle
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This book was entertaining and informative。 Erin provided a real approach to having a relationship with money by adding a colourful flair that kept me wanting to read more。 I appreciated how real she was by adding personal experiences while giving tips on how to make budgeting simple。 For a book about money it was not a dry read at all compared to other books I have read about finances。 Thanks Erin for writing this book， after seeing you talk at Anthony Robbins。 I was so inspired to do your”Get This book was entertaining and informative。 Erin provided a real approach to having a relationship with money by adding a colourful flair that kept me wanting to read more。 I appreciated how real she was by adding personal experiences while giving tips on how to make budgeting simple。 For a book about money it was not a dry read at all compared to other books I have read about finances。 Thanks Erin for writing this book， after seeing you talk at Anthony Robbins。 I was so inspired to do your”Get the Hell Out of Debt” program （it works！） and could not find the book。 Glad it is on the shelves now！ I highly recommend this book to anyone that wants to learn to keep in check with their money。 。。。more
Chelsey
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