List all of your debts (except home payments) in order of smallest payoff balance to largest.
It doesn’t matter if one debt has a higher interest or not.
Pay off the smallest debt first.
Stick to paying off this debt every month, no matter how hard it gets.
Pay the minimum payment for all your remaining debts except the smallest.
Find a way to get extra income fast by selling anything profitable, applying for a side hustle, etc, if you need to.
Update your list each time you pay off a debt.
This will help you see how close you are to freedom.
Calculate the payment for your remaining debts and start again with the smallest until all your debts are paid off.
Paste your old lists somewhere you can always see them.
This will help you witness your progress towards financial freedom.

Use the debt snowball method to pay off your debts

How to Apply This