Practical guides for the debt snowball method, debt avalanche, credit card debt planning, payoff worksheets, and getting organized when debt feels overwhelming.
Want the background on the project? Visit the About MoneySurvival page.
Learn how to make a debt payoff spreadsheet, what to track in Excel, and when to start with a calculator before moving into a worksheet.
A practical guide to stabilize minimum payments, compare payoff options in a calculator, and track your plan in a debt spreadsheet.
A realistic plan for tight budgets: protect essentials, test payment scenarios in a calculator, and track a payoff plan you can actually sustain.
Learn how to ask for a lower minimum payment, test lower-payment scenarios in a calculator, and track the payoff tradeoff in a spreadsheet.
Compare debt snowball vs avalanche, test both methods in a calculator, and choose the spreadsheet workflow that fits your payoff style.