01
THE HIT LIST
Every card, loan, and shark you owe. Balance, interest rate, minimum payment. Name them — it’s more satisfying when they die.
DebtBalanceAPRMin / mo
#1
Balance
$
APR
%
Min / mo
$
#2
Balance
$
APR
%
Min / mo
$
#3
Balance
$
APR
%
Min / mo
$
#4
Balance
$
APR
%
Min / mo
$
Min payments
$845/mo
Total owed
$44,200
02
THE BUDGET
What comes in, what goes out (rent, food, the fun stuff). Whatever’s left after minimums is the blade you bury in your debt.
MONEY INincome / mo
$
$
$4,800
MONEY OUTliving bills / mo
$
$
$
$
$
$2,830
$4,800 IN−$2,830 BILLS−$845 MINIMUMS
LEFTOVER TO KILL DEBT
$1,125/MO
03
THE KILL PLAN
Drag the firepower. Switch the method. The engine throws every spare dollar at one target, then rolls it forward when that target’s dead.
Method of execution
Total thrown / mo
$1,970
$845 min + $1,125 extra
Extra firepower / month$1,125
$0$3,200
ORDER OF EXECUTIONHIGHEST INTEREST DIES FIRST
1
Buried
DEC 2026
2
Buried
FEB 2027
3
Buried
SEP 2027
4
Buried
JUN 2028
Interest you DON'T feed the bank
$11,895
vs. crawling along on minimums
Time you claw back
3Y 10M
sooner than minimum-only
Interest you'll still pay
$3,611
the bank's cut. minimize it.
Total you'll shovel out
$47,811
$44,200 principal + interest