The United States debt numbers have skyrocketed since the 1980s. Consumers have moved away from the idea of saving and utilize credit as a means of purchasing products. Massive debt has resulted in individuals becoming financially crippled, a burden that can be removed with better financial habits.

Click play below to listen to KMZU’s Elizabeth Orosco talk with Steve Repak, Certified Financial Planner and author of 6 Week Money Challenge for Your Personal Finances.

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Today, the average credit card debt of an American household is $15,762, totaling $733 billion in the United States as a whole. This number trails the average auto loan debt at $27,141 and student loan debt at $48,172.

From paying for school, homes, clothing, and cars, a majority of Americans rely on credit.

Steve Repak, Certified Financial Planner and author of 6 Week Money Challenge for Your Personal Finances, offers a step-by-step program to improve one’s finances.

In his book, he gives specific ways people can take action on reducing their debt.

“Using the analogy of a mom with her kids, I ask, how many kids do you have and where are they at this second, and a mom usually says ‘yeah, I know where my kids are at,’ the same is true for people who are good with their money, they know exactly how much money they make, but more importantly, how much money they spend.”

Repak said his idea for the book stems of the fact that people’s financial difficulties deal with bad habits, and says it usually takes six weeks for people to break their habits.

He said it is important to get a better idea of how to think about money, to build a foundation for the purpose of money, and to track all expenses.

“Finances have nothing to do with math skills,” said Repak, “it has to do with behavioral skills, so we have to change our behaviors and if we do that then all of a sudden all our finance stuff starts getting back into place.”

To learn more about improving your finances or Repak’s book, visit his website.