Like a weight that just sits on your shoulders no matter how hard you work.
But here’s the good news:
You don’t have to win the lottery to get debt-free — you just need a strategy.
Here are a few smart ones that actually work 👇
💥 1. The Debt Snowball Method
Start with your smallest balance first.
Pay it off fast, then roll that payment into the next debt.
Each win gives you momentum — and motivation to keep going.
🧊 2. The Debt Avalanche Method
Start with the highest interest rate debt.
You’ll save more money in the long run.
It’s a little slower emotionally, but more efficient mathematically.
🔁 3. Automate your payments
Set up automatic minimum payments so you never miss one (that’s key for your credit score).
Then manually pay extra toward the debt you’re focusing on.
💡 4. Reduce, don’t restrict
If you can cut one small expense — a subscription, eating out less, etc. — use that money to make an extra payment each month.
Even $25–$50 extra can shave months (or years!) off your debt timeline.
This week’s challenge:
Pick one payoff method — Snowball or Avalanche — and write down your plan.
Don’t overthink it. Just start.
Every dollar you pay off is you buying your freedom back.
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