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Life & debt
Debt fatigue: adjusting a plan you can no longer stand
What to do when your debt payoff plan feels unbearable: lower the extra payment on purpose, add a small fun line, and shorten your milestones.
Money decisions, made clearer.
Life & debt
Make a plan that leaves room for changing jobs, families and real life.
Life & debt articles
46 articlesLife & debt
You added new debt mid-plan. Reset without starting over
What to do when new debt shows up during a payoff plan: add it to the list, re-rank by rate, and find out what caused it before moving on.
Life & debt
A debt plan for seasonal work
How to build a debt payoff plan around seasonal income: pay aggressively while the work is steady and drop to minimums during the slow months.
Life & debt
Replacing a car in the middle of a debt plan
How to size a car replacement while you're paying off debt: look at total cost, keep the purchase modest, and fit the new payment into your plan.
Life & debt
Debt that is not yours: identity theft first steps
What to do when a collector chases you for debt you never took on: report it to the FTC, dispute it with the bureaus, and freeze your credit.
Life & debt
Timing a debt-free date around a life event
How to work backward from a wedding, move or other date to find the monthly payment that gets a balance to zero in time, and what to do if it's unrealistic.
Give your plan a place to live.
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