Debt Relief with the Earth Movement Method: A Step-by-Step Guide

Web Editor

July 31, 2025

a person is using a calculator and a calculator on a desk with papers and a pen, Evelyn Abelson, dep

Financial stress from outstanding debts can lead to health issues. According to the National Financial Health Survey (ENSAFI), 36.2% of adults in Mexico have some form of debt, with 65.1% experiencing moderate to excessive levels of indebtedness. For these individuals, finding an effective method to stabilize their finances and reduce debts is crucial.

The Rising Popularity of the Earth Movement Method

One strategy that has gained traction is the Earth Movement Method, a plan designed to escape debt without committing more than 30% of monthly income. Its effectiveness hinges on the discipline and financial commitment of those who implement it.

How the Earth Movement Method Works

This method focuses on prioritizing the payment of the most recent debts, those causing significant emotional stress.

“The Earth Movement Method aims to create quick victories that maintain the user’s morale. Paying off recent debts can also help improve your credit history in the short term,” explained Ana Luisa Saavedra, head of financial education at Coppel.

The goal is to maintain motivation and provide an immediate financial relief feeling. To apply this method, it’s necessary to assess the emotional burden of each debt and its contract date. Unlike other methods, the amount and interest rates take a backseat, prioritizing stress and anxiety reduction associated with owing money.

Steps to Implement the Strategy

To start, Ana Luisa Saavedra recommends following these steps:

  1. Create a Debt List: Identify all your debts, order them by age and emotional impact level.
  2. Maintain Minimum Payments: Continue paying the minimum required for other debts on time to avoid penalties and protect your credit history.
  3. Focus Extra Income: Direct any additional income towards the priority debt.
  4. Reinvest Payment: Once a debt is paid off, apply the amount you were using for it to the next debt on your list, maintaining the same payment pace.

“This method is ideal for those needing constant motivation and visible short-term results,” commented Saavedra.

Common Mistakes to Avoid

The National Commission for the Protection and Defense of Users of Financial Services (CONDUSEF) warns that failing to meet payment obligations or taking on new debts can undermine any effort. It is also advised to continuously monitor debt behavior and adjust spending to accelerate the financial recovery process.

Key Questions and Answers

  • What is the Earth Movement Method? It’s a debt relief strategy that prioritizes paying off recent debts causing significant emotional stress, aiming for quick wins to maintain motivation and improve credit history.
  • How do I implement this method? Create a debt list, maintain minimum payments for others, focus extra income on priority debts, and reinvest payment amounts once a debt is paid off.
  • What mistakes should I avoid? Failing to meet payment obligations, taking on new debts, not monitoring debt behavior, and neglecting to adjust spending can hinder progress.