Out From Under — Breaking Free from Credit Cards & Debt
One bill at a time — until you're out from under.
If your credit cards feel like a weight you carry into every decision — the job you can't leave, the plans you can't make, the mail you don't want to open — this class was made for you. Over three evenings together, you'll face your numbers without shame, find money that's already hiding in your spending, build a budget that actually sticks, and leave with a personal payoff plan for your own debts. No judgment, no lectures — just a clear plan, built by your own hands, and the calm that comes with finally knowing where you stand.
How it works — three evenings
Evening 1 — Face the Numbers · Tuesday, January 26, 2027. Gather every card and balance into one honest picture, privately, in your own workbook. Your numbers are never shared aloud — this evening is about seeing clearly, maybe for the first time, and breathing while you do it.
Evening 2 — Find the Money · Wednesday, January 27, 2027. Go through your spending line by line and find the leaks — the forgotten subscriptions, the small daily drains — and turn them into your first extra payment and a starter savings buffer.
Evening 3 — Your Payoff Plan · Thursday, January 28, 2027. Build your budget and compare three ways to pay off your cards side by side in your own spreadsheet — highest interest first, smallest balance first, or a blend — then choose your order and set your plan in motion.
All three evenings: 6:30–8:00 PM (arrive 6:15) at Ashanti Naturals, 39 S. 3rd Street, Suite 6, Oxford, PA 19363.
The idea at the heart of it — the rollover
You don't pay everything off at once. You pick one target bill, keep paying the minimums on the rest, and throw everything you can at the target. When it's gone, you roll its whole payment into the next bill — so every payoff makes the next one faster. One bill at a time, and the momentum builds.
Meet your teacher
Nicole Dorenzo comes to this work from both sides of the desk. Her professional background is finance — banking since 2007 and investments since 2013 — and she also knows the personal side: she spent years in a job she didn't love because money kept her stuck there. This class brings the two together — a real system from the finance world, taught with the understanding of someone who has lived it.
The details
When: Tuesday–Thursday, January 26–28, 2027 · 6:30–8:00 PM (arrive 6:15)
Where: Ashanti Naturals, 39 S. 3rd Street, Suite 6, Oxford, PA 19363.
Group size: 8 seats. The class meets in person with 3 or more participants; with fewer than 3 signups, the same three evenings meet online via Google Meet instead.
Price: $350 total — a $50 deposit online reserves your seat, and the $300 balance is due in cash at the first session.
Materials: Your workbook, private intake form, and personal payoff spreadsheet are delivered electronically the day before the first evening.
Your privacy: Your financial details stay yours. Nothing is ever shared aloud or with the group.
Want to keep going? Part 2 — one-on-one with Nicole
After the three evenings, you can continue with three private one-on-one sessions in February: check-ins that keep your plan on track as the payments roll, build your credit score step by step, and help you stay out — with healing support tailored to whatever comes up for you. Part 2 is Nicole's 3-session mentoring package, $500: a $50 deposit to book, and the $450 balance due by your first session, online or in cash in person — your choice.
Out From Under — Breaking Free from Credit Cards & Debt is an educational mentoring class offered by Life Healing Energy. It is not licensed financial advice or regulated credit repair, and no particular credit-score result can be promised. If your situation calls for more support, Nicole can point you toward a nonprofit credit counselor or another qualified professional.