Debt Payoff Articles

7 Real-World Tips for Paying Off Debt (From People Who Actually Did It)

Debt payoff isn’t just math—it’s behavior, momentum, and a plan you can stick with. Here are seven practical strategies pulled from real debt-free stories, rewritten into steps you can apply immediately.   1) Make every dollar work harder People who succeed tend to...
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Should You Pay Off Debt or Invest First? A Practical Decision Guide

When you’re juggling goals—paying down debt, building savings, and investing for the future—it can feel like any choice slows down the others. The “right” answer depends on your interest rates, your ability to keep up with payments, and how close you are to...
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How to Negotiate a Debt Settlement on Your Own (Step-by-Step + Call Script)

If you’re behind on unsecured bills and can’t realistically repay the full balance, do-it-yourself debt settlement means negotiating directly with a creditor to accept less than you owe as a final resolution. This approach tends to work best when the account is...
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Debt Snowball vs. Debt Avalanche: Two Paydown Methods That Help You Get Out of Debt

If you’re carrying multiple balances—credit cards, personal loans, medical bills, or student loans—paying “a little extra on everything” often feels like running in place. Two proven payoff strategies solve that by giving you a clear order of attack: the debt snowball...
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