The Strategies shelf
Paying off debt faster when your income changes every month
Variable income makes fixed payoff plans feel useless. They aren't — but they do need a different structure, one built around floors instead...
Why paying off the wrong card first costs you more than you think
Most people pay extra on the card with the lowest balance. It feels logical. The math, though, tells a quieter and more expensive story.
Why paying the minimum feels like progress (and why it isn't)
Minimum payments were designed by lenders, not for you. Here's what actually happens to a $6,000 balance when you only pay what's required —...
The case for pausing extra payments when you have no emergency fund
Putting every spare dollar toward debt feels disciplined. But one car repair or medical bill can undo months of progress — and leave you rea...
Why paying off your smallest debt first sometimes costs more — and still makes sense
The avalanche method saves more money. The snowball method saves more people. Here's how to decide which trade-off you're actually willing t...
Why your minimum payment barely moves the balance
You paid $180 last month. Your balance dropped $12. Here's the arithmetic behind that feeling of running in place — and what actually change...
Balance Transfer vs Personal Loan for Debt Payoff
Two popular options for consolidating debt—but which one will save you more money?
Is Debt Consolidation Worth It?
Debt consolidation sounds appealing, but is it the right move for you? Here's how to decide.
Debt Snowball vs Avalanche: Which Strategy Is Right for You?
Compare the two most popular debt payoff strategies and discover which one fits your personality and financial situation.