The Debt Payoff Plan That Actually Moves
The Core Problem
People pay minimums on multiple debts and watch the balances barely move. They're paying, but not progressing — the interest eats most of the payment. The debt feels permanent because the plan is permanent-minimum.
You paid every month. You never escaped.
The Solution Framework
A payoff plan focuses extra on one debt at a time: avalanche (highest interest first) saves the most money; snowball (smallest balance first) builds the most momentum. Either way, the focus accelerates one debt to zero, then rolls the payment to the next. The cascade is the escape.
Focus one, roll the payment, cascade to zero.
How ProSystemHub Solves This
Life Cost Pro's debt payoff planner and recurring cost tracking let you map every debt, pick a strategy, and watch the cascade. You see the end date, not just the next payment.
The plan shows the exit, not just the monthly grind.
Action Steps
1. List every debt with balance and interest. 2. Pick avalanche or snowball. 3. Put all extra on debt one, minimums on the rest. 4. Roll the payment to debt two when debt one hits zero.
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