Pay off credit card debt with the avalanche method
A working payoff system — every balance, APR and minimum captured in one ledger, creditors ordered by interest rate, one extra payment automated against the top target, and a monthly review that rolls freed-up payments forward until the last balance clears.
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Included with every copy
- Your own copy — keep it forever
- Gets better over time — free updates included
- Run it on web and mobile
- Invite a partner to go through it with you — you share the same progress
- 1 knowledge checks to test what you've learned
- The playbook's community — ask questions, get additions, and see how other buyers improve it, right on the step
Who it's for
People in the U.S. carrying two or more credit card balances with different interest rates who are making at least the minimum payment on each card and have room in their monthly budget for an extra payment toward principal. Not for someone who cannot make minimum payments, is in collections, or needs a debt-management plan.
About this playbook
Pay off high-interest credit card debt using the avalanche method — order balances by APR, attack the most expensive one first, and roll each freed-up minimum payment forward into the next target. This program guides you through building a complete debt ledger, evaluating balance-transfer and hardship-program options, setting up automated payments, and executing a monthly review routine that keeps the plan on track. Each month you reconcile balances, confirm payments, check for rate changes, and adjust the extra-payment amount as debts clear. It does not cover budgeting, credit-score repair, or negotiating with collection agencies.
What you'll do, step by step
Free preview — these steps are open to read in full before you buy.
Phase 1: Take Inventory
0/4Gather every credit card statement and build a single ledger that captures every balance, APR, minimum payment, and due date. This is the factual foundation for every decision that follows.
- 0/520 min
- 0/425 min
- 0/520 min
- 0/310 min
Phase 2: Order and Optimize
5 stepsPhase 3: Build the Payment System
5 stepsPhase 4: Execute the Monthly Review
6 stepsPhase 5: Close Out Each Debt
4 stepsDetails
What you need first
Access to online banking for each credit card account. A checking account with sufficient funds to cover all minimum payments. The most recent monthly statement for every open credit card. A spreadsheet program or paper ledger for tracking. A reliable internet connection for logging into creditor portals.
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About the creator
I write about budgeting, debt and getting money in order for people who want a plan, not a list of tips.
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