Published 2026-01-07 · Updated 2026-07-09 · By Sean G
Choose A Focus Method
The snowball method focuses on the smallest balance first. The avalanche method focuses on the highest interest rate first. Either method can work when the plan is executable.
Protect Required Payments
Every strategy must preserve minimum payments and essential bills before extra debt attacks are scheduled.
Track Momentum
Review balances, payoff estimates, and available cash regularly. Strategy improves when the feedback loop is visible.