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According to the Quarterly Report on Household Debt and Credit, credit card balances increased by $10 billion from the previous quarter. I've paid off a car, multiple credit cards, loans, and continue to use it, and will until I'm debt free!When I had $45,000 in debt when I first came across the program, I was left with two choices.
Only by having a personalized and dynamic plan can you save the most interest and time possible on your debts. Use our Debt Reduction Calculator to help you eliminate your credit card, auto, student loan, and other debts. Enter abbreviated names for your the credit card or lending institution, the current balances, and the interest rate information for all of your current debts (including home equity lines of credit or second mortgages). Choose the maximum monthly payment that you can pay each month towards your debts, based on your home budget. When your first debt is completely paid, the remainder of your snowball is then applied to the NEXT debt, and so on, until all the debts are paid. Warning: It may be tempting to put your full financial strength into paying off your debts. This section describes the different strategies that you can choose within the debt reduction spreadsheet.

User-Specified Order: There are three options for choosing the order that you want to pay your debts.
Debt Snowflaking: This is a term for making extra debt payments above the normal monthly payment (above and beyond the normal snowball). Help us help others break free from the bonds of debt by spreading the news about this free debt reduction tool. ConsolidateAccount consolidation is another way to reduce amount of money paid towards interest over the life of the debt. One of the most powerful things about this spreadsheet is the ability to choose different debt reduction strategies, including the debt snowball effect (paying the lowest balance first) or the debt avalanche (highest-interest first). The more you can squeeze out of your budget to increase your debt snowball, the faster you'll reach your goals. Easily create a debt reduction schedule based on the popular debt snowball strategy, or experiment with your own custom strategy. You'll then see a summary of when each of the debts will be paid off based on the strategy you choose.
The benefit of this method is the psychological effect of seeing the number of debts disappear quickly.

Continue reading below the download block for links to useful blog articles and information about the various debt reduction strategies. You need to balance your debt reduction goals with the need for an emergency fund and other important financial goals. Getting out of debt is not easy, but with a good plan and firm determination, it is entirely possible. The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel®, OpenOffice, and Google Sheets, that helps you come up with a plan. It creates a debt snowball payment schedule that can help you manage your payments to most effectively pay off your debts.

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