List every balance, attack highest interest first, and build a payoff calendar that sticks
Complete debt payoff course using the avalanche method: inventory every card and loan, calculate true minimums, rank by APR, automate minimums, and throw every spare dollar at the highest-rate balance until it dies — then roll that payment to the next. Includes a one-page tracker, negotiation scripts for rate reductions, and rules for when snowball motivation beats pure math. No shame, no income promises — just a clear plan.
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Columns: Name | Balance | APR % | Minimum due | Due date | Notes. Include credit cards, personal loans, car, student loans, medical, Buy Now Pay Later, store cards.
Guessing understates the problem. Log in and write the real numbers.
Use the statement APR (purchase APR). If you have a promo rate, note the end date and the go-to rate.
Minimum due is what keeps you current — never skip it to 'pay more on another card' without a plan.
Pro tip. Call the back of the card if APR is unclear — 10 minutes can save months of interest.
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Step 1
Open a blank tracker
Step 2
Capture APR and minimum correctly
Step 3
Sort by APR descending
Step 4
Automate every minimum
Step 5
Calculate monthly surplus
Step 6
Assign surplus to Target #1 only
Step 7
Call for a hardship or loyalty rate cut
Step 8
When snowball is allowed
Step 9
Rollback payment when a balance dies
Step 10
Monthly 20-minute money date
Step 11
Pass criteria
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