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1. Paying Off Credit Cards Using the Avalanche
You know that feeling when you check your credit card balance and instantly wish you hadn’t?
Yeah, that’s the one.
The Debt Avalanche Method helps you escape that nightmare faster by attacking your highest-interest debt first. Because interest is the sneaky little thief of your money.
Instead of spreading payments evenly or paying off the smallest debt first (like the Snowball method), you hit the card with the highest APR while paying minimums on the rest.
Before you know it, you’re saving hundreds, even thousands, on interest. And getting rid of debt like it owes you money (pun totally intended).
👉 Here's How You'll Do It: Use a free calculator like Undebt.it to list your debts by interest rate, focus payments on the highest one first, and automate those payments weekly.
📌 SAVE IT FOR LATER! 📌
2. Combining Student Loans Into the Avalanche Plan
Student loans can feel like that guest who moved in “just for a few months” but never left.
The Avalanche Method gives you the courage to finally show them the door.
You list every loan from the highest interest rate to the lowest, and attack that top one like it’s your worst ex.
You keep paying minimums on the rest until the first one’s gone, then move to the next.
It’s the most efficient way to save on interest and pay them off faster. No drama, no fancy math degree required.
👉 Here's How You'll Do It: Log into your loan dashboard, sort your balances by interest rate, and set automatic extra payments toward the highest-rate loan using your bank’s bill pay.
3. Using Extra Income to Boost the Avalanche
You know that side hustle money you swear you’ll “save later”?
Yeah… don’t.
Throw that straight into your Avalanche payments and watch your debt melt faster than ice on a Miami sidewalk.
Every extra dollar you add doesn’t just lower the balance. It reduces future interest, too.
It’s like turning your financial treadmill into a moving sidewalk that actually takes you somewhere.
👉 Here's How You'll Do It: Each time you get side income, tips, or cash back, send it directly to your top-interest debt through your bank app before you can spend it.
Bonus Tip: Use a Tool That Keeps Your Avalanche on Track
You know how you promise yourself you’ll “track everything manually,” and then life laughs in your face?
Yeah, that’s why smart people automate.
If you really want your Avalanche plan to stick, use a free tool like Undebt.it. It literally does the tracking, calculating, and cheering for you (well, almost).
You plug in your debts, interest rates, and payments, and boom. You see your exact debt-free date right on the dashboard.
It’s kind of addicting, honestly… watching those numbers fall faster than your phone when you forget you’re on 1% battery.
👉 Here's How You'll Do It: Go to Undebt.it, add all your debts by balance and interest rate, and let the tool automatically create your payoff plan. Then just follow it every week until you’re free.
4. Adjusting Payments When Interest Rates Change
Interest rates change faster than Miami weather. Sunny one minute, stormy the next.
When that happens, your Avalanche plan needs a quick tune-up.
If one of your debts suddenly gets a higher interest rate, that becomes your new top target.
It’s all about keeping your focus on what’s costing you the most each month.
You’ll always stay one step ahead, no matter how many curveballs the banks throw.
👉 Here's How You'll Do It: Review your loan or credit statements monthly, reorder debts by APR in a spreadsheet, and reallocate extra payments toward the new highest-interest account.
5. Keep Track of Progress Until You’re Debt-Free
Tracking progress keeps you motivated when the road gets long.
Seeing your debt balances drop feels like watching your abs finally show after months of clean eating. It’s proof that the grind works.
You can use charts, apps, or even sticky notes on your fridge (because who doesn’t like seeing progress before breakfast?).
The trick is to celebrate small wins, like when a balance hits zero.
That “debt-free” energy is addictive in the best way possible.
👉 Here's How You'll Do It: Use a progress tracker like Undebt.it to update balances weekly and celebrate each time one account hits zero.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
