Your debts Example loaded
One row per balance. Minimum is the amount your statement asks for each month. Rate is the annual percentage rate on the statement.
Your attack plan
The bank looks at what you can add above the minimums and the order you attack. Both are yours to set.
Dollars. Zero is fine; the desk still rolls freed minimums forward.
The ledger
Three columns, the way a banker sorts a file. Destructive debt costs you every month and buys nothing. Neutral debt bought something that holds some value. Asset debt sits against something that can grow.
DestructiveAttack first
NeutralAttack next
AssetManage on purpose
Destructive total $0
Neutral total $0
Asset total $0
How the desk sorts (the rule, in plain words)
| Column | Rule |
|---|
Snowball vs Avalanche
Same debts, same budget, two orders. Minimums are paid on every debt each month. Whatever is freed when one clears rolls onto the next, plus your extra.
Add at least one debt with a balance, a rate, and a minimum that covers its interest, and the desk will run both orders.
Illustration from your numbers. Not a guarantee.
Want Ash's team to walk your ledger with you?
Bring this page. The order you pick here becomes Step 5 of your Abundance Plan.