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1. Focus on One Debt at a Time
Trying to pay off everything at once feels like juggling fire while blindfolded.
You stress, lose focus, and end up dropping the whole thing.
That’s why you stick with one debt until it’s gone. Just like the Debt Avalanche says.
You start with the highest interest rate first because that’s the one eating your money alive.
And when that first one disappears, your motivation skyrockets faster than a Friday night in Miami.
👉 Here's How You'll Do It: Write down all your debts, sort them by interest rate using a free app like Undebt.it, and attack the top one first.
📌 SAVE IT FOR LATER! 📌
2. Start Small and Build Momentum
You know that feeling when you try to run before you can walk? Same thing here.
You start with something small. Just to get moving.
Maybe it’s an extra $25 toward your highest-interest card this week.
That small step makes you feel like a financial superhero.
Because once you get that first win, the avalanche starts rolling, and trust me, it’s hard to stop.
👉 Here's How You'll Do It: Add one small extra payment through your online banking app right now and watch how good it feels.
3. Pay the Same Amount Every Month
Consistency beats intensity, every time.
You don’t need to throw random chunks of cash when you “feel like it.”
Just set one fixed payment that fits your budget and stick to it like your favorite playlist.
This builds rhythm, confidence, and most importantly. Momentum.
Miss a month, and suddenly you’re back to square one, wondering where the money went.
👉 Here's How You'll Do It: Set up automatic payments for the same amount every month using your bank or credit card app.
Bonus Tip: Keep Your Progress Visible
After sticking to your payments, it’s easy to lose track of how far you’ve come.
You start wondering if all those sacrifices are even doing anything.
But when you actually see your debt shrinking, everything changes.
It’s like watching your abs appear after weeks at the gym. Suddenly, it’s all worth it.
That’s where a good debt tracking tool comes in to keep your fire going.
You can literally watch your balances melt away, one payment at a time, and feel that boost every single month.
And if you want something super easy to use, Undebt.it does the job beautifully. It shows your entire debt payoff plan, your progress, and even how fast you’re moving toward freedom (people love it because it makes debt payoff feel like leveling up in a game).
👉 Here's How You'll Do It: Create your free account on Undebt.it, plug in your debts, and check your progress weekly. You’ll be shocked by how motivating it is to see the numbers drop.
4. Cut Extra Costs to Boost Payments
You can’t grow a money tree, but you can prune the budget.
Little leaks. Like streaming services you forgot about, they can drain your payoff power faster than you think.
You don’t need to go full minimalist; just trim the fat.
Cancel what you don’t use, downgrade the stuff you barely touch, and boom. You’ve got more cash to throw at debt.
Every extra dollar is a tiny punch to your interest payments.
👉 Here's How You'll Do It: Use Rocket Money to cancel unused subscriptions and reroute that money toward your debt.
5. Avoid Taking On New Debt
This one’s obvious, but also the hardest to follow.
Because shiny new things love to whisper, “Just this once.”
But “just this once” is how people end up right back where they started.
When you’re in Avalanche mode, your goal is to protect your progress like it’s sacred.
Debt payoff works only if you stop adding new weights to the pile.
👉 Here's How You'll Do It: Freeze your credit cards and use debit or cash for daily spending.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
