5 Steps to Build a Stress-Free Plan To Pay Off Your Debt

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1. Know Exactly How Much You Owe

You can’t fix what you don’t know.

Getting clear about your total debt is the first step to taking back control.

It might sting at first, but seeing the full picture helps you make smarter moves fast.

• Grab all your statements. Include credit cards, loans, and anything you owe.
  
• Write down balances. List every amount, even if it’s small or old.
  
• Face the total. Once you see it clearly, you’ll know your real starting point.
  

👉 Here's How You'll Do It: Log into all your accounts, add up the numbers, and write down your total debt on one sheet of paper.

Make It Easy: Use Undebt.it to automatically calculate your total debt and track your progress online.

2. Make a Simple List of All Your Debts

Seeing your debts in one neat list turns chaos into clarity.

You’ll instantly know what needs attention first.

Once you list them, your debt payoff plan practically writes itself.

• List from smallest to largest. That’s the key to staying motivated.
  
• Include due dates. Knowing what’s coming helps you stay ahead.
  
• Add minimum payments. This helps you budget realistically every month.
  

👉 Here's How You'll Do It: Write your debts in a column on paper or a spreadsheet, from smallest to biggest, with all details beside them.

Make It Easy: Consider a monthly planner pad to organize due dates and payments in one visual layout.

3. Pick the Easiest Debt to Pay Off First

You need a win early on to keep going strong.

That’s why starting with your smallest debt builds confidence and energy fast.

It’s all about momentum, not math.

• Start small. Paying one off completely feels like crossing the finish line.
  
• Roll it over. Once paid, use that payment to attack the next one.
  
• Stay motivated. Each win fuels the next.
  

👉 Here's How You'll Do It: Choose your smallest balance and focus every spare dollar on it while paying minimums on the rest.

4. Set a Monthly Payment You Can Afford

Overcommitting kills motivation faster than high interest.

Set a payment amount that challenges you but doesn’t leave you broke.

Consistency always beats intensity here.

• Find your balance. Aim for something realistic, not extreme.
  
• Pay it automatically. Never rely on willpower alone.
  
• Adjust as needed. Life changes, so tweak your plan. not quit it.
  

👉 Here's How You'll Do It: Decide how much you can pay monthly and set it to auto-withdraw right after payday.

5. Rinse & Repeat Until Every Balance Hits Zero

Once one debt’s gone, keep rolling that payment into the next.

You’ll build momentum faster than you think. And it’ll start feeling fun.

Each payment gets you closer to complete freedom.

• Stay focused. Keep your eyes on the next smallest balance.
  
• Track progress. Watching balances drop keeps motivation high.
  
• Keep going. Repeat the process until you’re debt-free.
  

👉 Here's How You'll Do It: When one debt is gone, immediately apply that payment to your next lowest balance and repeat.

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