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Your debt, one step at a time
You don't need to fix everything tonight. Work through the four steps below in order; each one links to the guides and tools that go with it.
The Oak & Cents Payoff Method
- 1
List every debt
Balance, interest rate and minimum payment for each one, in one place. No judging the numbers, just writing them down.
Get organized - 2
Choose your order
Snowball (smallest balance first) or avalanche (highest rate first). Run both in the calculator and pick the one you will stick with.
Compare methods - 3
Find the extra
A payoff plan runs on whatever you can add above the minimums, from a trimmed budget or a little side income.
Find extra money - 4
Track it where you can see it
Color in the tracker every time a balance drops. Visible progress is what keeps a plan going past month three.
Get the tracker
Or jump to your situation
Debt Snowball, Avalanche & Payoff Plans
Pick a method, list your debts in order and follow a plan you can start tonight. Worked examples included.
Credit Card Debt Payoff
How interest really works, what the minimum payment costs you, and practical ways to bring balances down.
Debt-Free Budgeting, Printables & Trackers
Budgets, planners and trackers you can fill in by hand or in a spreadsheet, so progress is something you can see.
Paying Off Debt on a Low Income
Realistic ideas for stretching a tight budget, without shame and without pretending small paychecks are easy.
Side Income to Pay Off Debt
Honest ways to bring in extra money and point it straight at a balance, with realistic earnings ranges.