Debt Snowball vs. Debt Avalanche: Which Should You Use?
How the snowball and avalanche methods work, a worked example with three credit cards, and how to pick the one you will stick with.
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Money Guides
Pay off credit card debt, one step at a time.
Plain-language guides and free printables for adults working to pay down credit cards, whether your income is steady or changes every month. No jargon, no promises, just clear steps.
Guides
Free to readHow to Pay Off Credit Card Debt When Your Income Changes Every Month
Freelance, gig, or changing hours? Build your payoff plan on a safe baseline, with clear rules for good months and lean months.
Read guideCan't Make Your Credit Card Minimum Payment? What to Do First
Protect essentials, call your card issuer before the due date, ask about hardship options, keep a call log, and avoid debt relief scams.
Read guideBalance Transfer Checklist: 7 Questions to Ask Before You Say Yes
Seven questions to ask about the transfer fee, the promo period, the rate afterward, and whether you can pay it off in time.
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Debt Payoff Tracker
Color in a box every time you pay down your debt, and log each payment.
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Credit Card Debt Log
Every card on one page: balance, APR, minimum, due date, and promo end date, plus a call log.
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Monthly Budget Worksheet
Plan a month with essentials first, minimums second, and extra toward debt. Works with irregular income.
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Debt Snowball & Avalanche Planner
List your debts, rank them both ways, and pick the payoff order you will actually stick with.
Download PDF Read the guide it goes withThis guide is general financial education, not personal financial, legal, or tax advice. Card terms vary, so check your own card agreement and statements.