There are only two proven debt payoff strategies.
- Snowball Method — Pay off your smallest debt first. Build momentum.
- Avalanche Method — Pay off your highest interest debt first. Save the most money.
The best method is the one you will actually follow through on. The non-negotiable rule: stop adding new debt while paying off old debt.
- Step 1: List every debt with amount and interest rate.
- Step 2: Pick your method.
- Step 3: Attack one debt at a time.
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⚡ Your Action Step
What is one thing from this article you can act on today? Write it down. Then do it. Wealth is built one decision at a time.