Remember that even quick-and-easy spells must be done with vivid intent and visualization. In terms of tools for this one, you can substitute something for the five of pentacles that represents your debt, but make sure it will burn.
A red candle
Tarot’s five of pentacles
During the waning moon
Light the red candle. Red represents energy and what you’re doing here is drawing on energy to cancel your debt. Say the following words:
Debt begone lickety split, debt begone before I spit.
Then take the five of pentacles or whatever object symbolizes your debt and pass it through the candle flames until it catches fire. Let it burn to ashes in the empty bowl. Pinch out the candle’s flame, then toss out the candle. On the next new moon, bury the ashes far from your home.
The Only Book of Wiccan Spells You’ll Ever Need
Marian Singer; Trish MacGregor