Method A · Avalanche (math wins)

• Rank debts by APR, highest first
• Pay minimums on all; throw every extra dollar at the highest APR
• Best total interest saved

Method B · Snowball (motivation wins)

• Rank debts by balance, smallest first
• Pay minimums on all; crush the smallest balance first
• Best for quick psychological wins

This month's attack line

• Debt name: ____________________ Balance: $_______ APR: ____%
• Minimum due: $_______ Extra attack: $_______
• Target payoff date: ________ Method: Avalanche / Snowball

Guardrails

• Stop new revolving debt while attacking
• If APR is 0% promo, calendar the end date
• After each payoff, roll that payment to the next target (do not shrink the payment)