A Professional Playbook for Crushing Debt
Focus on the annual percentage rate and compounding. Paying high-interest balances first—the avalanche method—usually saves more over time. List debts by rate, automate minimums, and funnel every extra dollar to the highest APR. Clarity reduces anxiety and shows progress building faster each month.
A Professional Playbook for Crushing Debt
Avalanche is mathematically optimal; snowball wins when motivation is fragile. If quick wins keep you consistent, clear the smallest balance first while tightly tracking interest costs. Choose the method you will stick with, because steady execution always beats sporadic perfection in real financial life.