getting started
Your First 30 Days: A Calm Plan When Debt Feels Overwhelming
No spreadsheets on day one. Four short weeks of small, concrete steps that turn panic into a plan.
7 min read· 21 August 2026
Guides
Debt Guides, Articles and How-Tos
Written to be useful on the first read, with the assumptions and maths shown rather than hidden.
credit cards
Why Minimum Payments Keep You in Debt for Decades
A minimum payment is designed to keep the account open, not to clear it. Here is what that costs in real numbers.
5 min read· 14 August 2026
payoff strategies
Debt Snowball vs Avalanche: Which One Actually Clears Debt Faster?
Avalanche usually saves more interest. Snowball usually keeps more people going. Here is how to choose without guessing.
6 min read· 6 August 2026
How I Cleared My Debts provides educational information, organisational tools and estimates. It does not provide personalised financial, legal, tax or regulated debt advice. Results depend on the information you enter and may not reflect lender calculations. If you are struggling with priority bills, legal action or unaffordable repayments, contact a qualified free debt-advice organisation in your country.
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“How I Cleared My Debts”
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