Debt-Free in 12 Months: Snowball vs Avalanche Action Plan

What You'll Learn

• Snowball vs Avalanche — which method fits YOUR situation and personality
• Month-by-month debt payoff calendar with real milestones
• Scripts for negotiating lower interest rates (works 40% of the time)
• How to handle setbacks — missed payments, unexpected bills — without quitting
• The psychology of motivation through the middle months when it's hardest
• What to do the day you make your final payment