Turn your debt into a plan. ♡

One focus at a time. One payment at a time. One step closer to freedom.

D.R.E.A.M. — Debt With Direction

D.R.E.A.M. is SP's guided debt-payoff plan designed to help you take your debts one step at a time. Instead of trying to tackle everything at once, D.R.E.A.M. helps you choose a Current Focus, report the payments you actually make, and keep your progress organized inside My Agenda.

♡ When one debt reaches $0, the monthly payment you were already making can roll toward your next focus. SP calls that Rollover Power.

SP D.R.E.A.M. Plan

$34.99

ONE-TIME PURCHASE
NO MONTHLY SP SUBSCRIPTION

How Your D.R.E.A.M. Works

1 Choose Your Current Focus Take your debt one focus at a time.

2 Report Your Payments Tell SP what you actually paid.

3 Build Rollover Power Let freed monthly payments strengthen your next focus.

4 Keep Moving Forward Your progress stays organized in My Agenda.

FREE D.R.E.A.M. SAFETY FIRST CHECK

Safety First, Then D.R.E.A.M. ✨

Before purchasing D.R.E.A.M., complete one simple Safety First check: confirm you have at least $500 set aside for unexpected expenses, separate from the money needed for monthly bills and debt payments.

Your Safety First check is completely FREE. ♡

No purchase required for this check. The D.R.E.A.M. purchase option becomes available after you confirm your $500 Safety First cushion.

SAFETY FIRST

One last check before you D.R.E.A.M. ♡

Before beginning your debt payoff plan, SP asks you to confirm that you have a small cushion for unexpected expenses. Make sure your essential monthly bills and required debt payments are covered, too.

Do you have at least $500 set aside for unexpected expenses? This Safety First cushion should be separate from the money you already need for regular monthly bills and required debt payments.

♡ Your safety comes first. Your D.R.E.A.M. should work with real life—not against it.