Trying to get out of debt when you’re “broke” or have little to no extra money may seem impossible, especially for those living paycheck to paycheck. I am here to tell you … it’s not! How do I know?

If you’ve ever tried to get out of a travel club, you know how difficult — and often impossible — it can be. But even when you’re getting a chorus of “nos,” there’s still a way to free yourself. Just ...