Debt Payoff Strategies
There's no one-size-fits-all way to pay off debt. Explore proven strategies and find the approach that matches your goals and personality.
The 100 Envelope Challenge for Debt Payoff
The viral 100 envelope challenge can help you save $5,050 in about 3.5 months. Learn how to adapt it for debt payoff, plus variations that actually work.
Read moreBalance Transfer Strategy: A Complete Guide
Learn how to use 0% APR balance transfer offers to eliminate interest and pay off debt faster.
Read moreThe Bi-Weekly Payment Method: A Complete Guide
Learn how switching to bi-weekly payments sneaks in an extra payment each year and saves you money.
Read moreThe Cash Flow Index Method: A Complete Guide
Learn how the Cash Flow Index helps you prioritize debts to free up the most monthly cash flow.
Read moreCash Stuffing for Debt Payoff
Cash stuffing turns the classic envelope budgeting system into a debt payoff accelerator. Learn how physical cash changes spending behavior and how to set up a system that prioritizes debt elimination.
Read moreThe Debt Avalanche Method: A Complete Guide
Learn how the debt avalanche method works, why it saves the most money, and how to decide if it's the right strategy for you.
Read moreDebt Consolidation Loans: A Complete Guide
Learn how debt consolidation works, when it helps, when it doesn't, and how to decide if it's right for you.
Read moreThe Debt-Free Lifestyle Strategy
The debt-free lifestyle strategy goes beyond individual tactics to redesign your spending patterns. Learn how intentional lifestyle changes compound with structured payoff methods for faster results.
Read moreDebt Management Plans: A Complete Guide
Learn how nonprofit credit counseling agencies negotiate lower rates and create structured debt management plans.
Read moreDebt Negotiation and Settlement: A Complete Guide
Learn how debt settlement works, when to consider it, and what it means for your credit score.
Read moreThe Debt Snowball Method: A Complete Guide
Learn how the debt snowball method works, when to use it, and how to build a payoff plan that keeps you motivated.
Read moreThe Debt Snowflake Method: A Complete Guide
Learn how tiny micro-payments from found money add up to big debt payoff results over time.
Read moreDebt Stacking: A Complete Guide
Learn how debt stacking works — the core mechanic behind snowball, avalanche, and most payoff strategies.
Read moreThe Debt Tornado Method: Emotion-First Payoff
The debt tornado method targets the debt causing you the most emotional distress first, regardless of balance or interest rate. Learn how this emotion-first approach works and who it's best for.
Read moreHybrid Payoff Strategies: A Complete Guide
Learn how to combine snowball, avalanche, and other methods into a flexible debt payoff plan.
Read moreThe Debt Tsunami Method: A Complete Guide
Learn how the debt tsunami method uses emotional priority to decide which debt to pay first.
Read moreIncome-Based Repayment Plans: A Complete Guide
Learn about SAVE, PAYE, IBR, and ICR — federal student loan plans that base payments on your income.
Read moreThe No-Spend Challenge to Accelerate Debt Payoff
A 30-day no-spend challenge can free up hundreds of dollars for debt payoff. Learn the rules, set realistic expectations, and build habits that last after the challenge ends.
Read moreUsing Round-Up Apps to Pay Off Debt Faster
Round-up apps turn spare change from everyday purchases into extra debt payments. Learn how they work, which ones target debt, realistic expectations, and whether the micro-payment approach is worth it.
Read moreSide Hustle Debt Strategy: A Complete Guide
Learn how earning extra income through side hustles can dramatically speed up your debt payoff.
Read moreWindfall Optimization: Tax Refunds, Bonuses & Found Money
A framework for optimally allocating tax refunds, work bonuses, and unexpected money toward debt payoff. Includes the behavioral science of why people blow windfalls and how to avoid it.
Read moreZero-Based Budgeting for Debt: A Complete Guide
Learn how zero-based budgeting gives every dollar a job and helps you find more money for debt payoff.
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