Snowball vs avalanche: a worked example
The same three debts, the same £200 extra a month, two different orders. Here's exactly how the debt snowball and debt avalanche compare in time, interest and quick wins.
Read this guideA clearer way through the numbers.
Plain-English guides for choosing a payoff approach, understanding your projections, and building a plan you can keep using.
A useful place to begin.
More guides to read.
Is a 0% balance transfer worth it?
A 0% balance transfer can save you hundreds, or cost you more than staying put. Here's how to work out which, with a worked example and the traps to avoid.
How to pay off an overdraft (UK guide)
Overdrafts now charge around 40% interest at most big banks, so living in yours is expensive. Here's how long it takes to clear, and a step-by-step plan to get back into the black.
How long does it take to pay off £5,000 of credit card debt?
At a typical 24.9% rate, £5,000 of card debt takes anywhere from under two years to over seven, depending on what you pay. Here's the full breakdown and how to speed it up.
How to pay off your mortgage faster (UK guide)
Overpaying your mortgage by even £100 a month can cut years off your term and save tens of thousands in interest. Here's how it works in the UK, and when it's not the right move.
Debt management plan vs IVA: what's the difference?
A debt management plan and an IVA both turn your debts into one affordable monthly payment, but they work very differently. Here's a plain-English comparison and where to get free advice.