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DEBT PLAYBOOK
Debt: The Uninvited Guest
It showed up, it's not leaving. Here's how to show it the door — strategically.
It showed up, it's not leaving. Here's how to show it the door — strategically.
Pay off highest interest first. Mathematically optimal — saves the most money.
Best for: Numbers people who want maximum savings
Pay off smallest balance first. Quick wins build momentum.
Best for: People who need motivation and quick victories
The best method is the one you'll actually stick with. If snowball keeps you motivated, the "extra" interest is worth it.
Combine multiple debts into one loan, ideally at a lower interest rate. Simplifies payments and can save money.
Move high-interest credit card debt to a 0% APR card. Watch the fees and pay it off before the promo ends.
Negotiate to pay less than you owe. Hurts your credit but can make sense for serious debt. Last resort territory.
Balance, interest rate, minimum payment. You can't fight what you can't see.
Avalanche or snowball. Commit to it.
Cut expenses, side hustle, sell stuff. Every extra dollar goes to debt.
Set it and forget it. Remove the temptation to skip payments.
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