Blog

Money tips that get you out of debt

Real numbers, simple steps, no fluff.

Credit cards

How long does it take to pay off $5,000 on minimum payments?

Paying only the minimum on a $5,000 credit card at 24.99% APR can take almost 20 years and cost over $9,000 in interest.

Methods

Debt snowball vs avalanche: which one gets you out faster?

Snowball pays the smallest balance first, avalanche the highest interest first. Real numbers show how much the difference actually is.

Scripts

How to ask your credit card company for a lower APR (word-for-word script)

A short phone script to ask for a lower interest rate, what to say if they say no, and why it's worth 5 minutes.

Want your own debt-free date?

Type in your debts. Get your exact month, which debt to pay first, and how much interest you'll save.

See my debt-free date →