Download free credit card payoff and debt reduction calculators for Excel. Make a plan. This is possibly the most valuable spreadsheet on this entire website! 2 .
Whether you pick to pay off your smallest balance to start or choose to end the debt with the highest interest rate first, the point is to stick with it! Once you've retired one debt, move that payment to your next creditor on your Debt Reduction Spreadsheet.
But it's more than a method for paying off bills. The debt snowball is designed to help you change how you behave with money so you never go into debt again.
What is left is how much you have available to pay off unsecured debt.. Start tracking your expenses with a budget, downloading a budget app to your phone