Get the picture
- List every debt: balance, APR, minimum payment.
- Add up total monthly minimums and total balance.
- Decide how much extra you can put toward debt each month.
Pick a method
- Avalanche: pay minimums on all, put extra toward the highest APR (saves the most interest).
- Snowball: pay minimums on all, put extra toward the smallest balance (quick wins).
- Stick to one method so the extra payment has a clear target.
While you're paying down
- Stop adding new debt; use cash or debit where possible.
- Consider a 0% balance transfer only if you'll pay off the balance before the rate ends.
- Celebrate milestones (one card done, half the balance gone).