Debt Payoff Roadmap
Debt feels endless when it’s a blur of balances. Put every number on one page, pick a method you’ll stick with, and see your debt-free date.
- Price
- $249
- Length
- 2 sessions (60 + 45 min)
- Format
- Video calls + spreadsheet
- You receive
- Custom payoff plan
Why this matters
Paying the minimums on everything keeps you busy but rarely gets you out. The fastest way out depends on your interest rates, your cash flow and — honestly — your motivation. We compare snowball, avalanche and hybrid methods using your real numbers and find spare cash flow to speed things up.
What’s included
- A 60-minute planning session and a 45-minute follow-up a month later
- Every debt listed with balance, rate, minimum and due date
- Snowball vs avalanche vs hybrid comparison with your real numbers
- A month-by-month payoff spreadsheet with your projected debt-free date
- A plan for windfalls, bonuses and irregular income
- Scripts for asking lenders about hardship options or lower rates
Who it’s for
- Credit cards, personal loans, car loans or student loans
- You’ve been paying for years and balances barely move
- You want a clear order and a date
When it’s not the right fit
Debt settlement, bankruptcy or legal disputes — we’ll refer you to a non-profit credit counsellor or attorney- Negotiating with creditors on your behalf (we coach you; we don’t contact lenders)
How it works
List
Gather balances, rates and minimums — we’ll help fill gaps.
Free up cash
We find the monthly amount you can send above minimums without starving your life.
Choose a method
We compare methods and choose the one you’ll actually finish.
Check in
A month later we review progress and adjust the plan.
Questions about Debt Payoff Roadmap
Anything else? Ask us during your free Night Brief or send a message.
Do you consolidate or refinance debt?
No. We’re coaches, not lenders or brokers. We can help you understand the questions to ask if you’re considering it.
Will this affect my credit score?
Our work doesn’t involve credit checks. Paying balances down over time generally helps, but scores depend on many factors.
Can I try the method first?
Yes — our free debt payoff calculator compares snowball and avalanche with your numbers.
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