The Debt Payoff Blog
Actionable strategies and inspiration to guide you on your journey to financial freedom.
How to Pay Off $20,000 in Debt on a $50,000 Salary
A realistic 24-month plan with real numbers showing exactly how to tackle $20K debt on a middle-class salary.
The Real Cost of Minimum Payments: A $10,000 Example
Shocking revelation: See how minimum payments can cost you thousands in extra interest. Includes real $10K example.
Dave Ramsey Snowball Method Calculator
Use our free calculator with Dave Ramsey's proven snowball method. Includes step-by-step instructions and success stories.
How Long Will It Take to Pay Off My Debt?
Find out your exact debt-free date. Our calculator shows realistic timelines based on your specific situation.
Credit Card Debt Calculator: See Your Payoff Date
Calculate your credit card payoff date instantly. Compare Avalanche vs Snowball and see how much you'll save.
Debt Avalanche vs Snowball: Which Method Saves You More?
It's the ultimate debate. We break down the math, the psychology, and the pros and cons of each to help you choose.
Balance Transfer vs Debt Consolidation Loan: Which is Best?
A 0% APR card or a fixed-rate loan? We compare interest savings, fees, and requirements to help you decide.
Minimum Payment Less Than Interest? Here's What to Do
Is your debt growing even though you're paying? Learn about negative amortization and how to break the cycle.
How to Find Extra Money for Debt Payments: 7 Proven Strategies
Move beyond "spend less." Here are 7 practical ways to free up cash and apply it directly to your debt.
How to Stay Motivated While Paying Off Debt
Paying off debt is a marathon. Master the mental game with powerful strategies to stay focused and resilient.