Small wins fund — celebrate each debt payoff — Debt Repayment Snowball Plan

List all debts — balances, interest rates, and minimum payments

Choose snowball vs avalanche repayment strategy

Debt snowball payment order — smallest balances first

Set up automatic minimum payments on all accounts

Budget category: extra debt payment each month

Monthly debt progress tracker — balances by month

Small wins fund — celebrate each debt payoff

Credit card #1 payoff — $2,400 balance at 22% APR

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