Debt Freedom Resources

Educational guides and resources to help you succeed on your debt-free journey.

Snowball vs Avalanche: Deep Dive

Understand the psychology and math behind each strategy. Learn when to choose momentum over mathematics.

  • Real-world success stories
  • Interest savings calculator
  • When to switch strategies

Budgeting Fundamentals

Master the basics of budgeting to free up more money for debt payoff. Small changes can make a big impact.

  • 50/30/20 budgeting rule
  • Finding extra money in your budget
  • Emergency fund while paying debt

Dealing with Collections

Know your rights and learn how to handle debt collectors professionally and effectively.

  • Your rights under FDCPA
  • Negotiating settlements
  • Disputing incorrect debts

When to Seek Professional Help

Sometimes debt is overwhelming. Learn when it's time to seek professional debt counseling or legal advice.

  • Signs you need professional help
  • Finding reputable credit counselors
  • Understanding bankruptcy options

Which Strategy is Right for Me?

What motivates you more?

Understanding your motivation style helps us recommend the right approach.

Quick Debt Payoff Tips

Make Extra Payments

Even $50 extra per month can shave months off your timeline and save hundreds in interest.

Use Windfalls Wisely

Tax refunds, bonuses, and birthday money can make a huge impact on your debt payoff.

Track Progress Weekly

Regular check-ins keep you motivated and help you spot opportunities to accelerate payoff.

Helpful External Resources

National Foundation for Credit Counseling

Find reputable, non-profit credit counseling services in your area.

Visit NFCC →

Consumer Financial Protection Bureau

Government agency that protects consumers from unfair debt collection practices.

Visit CFPB →

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