Library · Finance

Pay off debt

A ready-made journey for anyone who wants to pay off debt: 7 steps, about 3.3 hours in all, in an order that works — work steps of 30 minutes or less, with real-world sessions kept whole.

Opens in Nextep with a two-minute first step lit. Free, and no account needed to begin.

When it's useful

When you have decided to pay off debt but the first move is fuzzy. Nextep shows one step at a time, keeps the rest in order, and never calls anything overdue — a day that slips simply becomes today.

The steps

1. 1List every debt: balance, rate, minimum45 min
2. 2Pick the order: highest rate or smallest first20 min
3. 3Work out what you can pay above minimums30 min
4. 4Set up the automatic payments30 min
5. 5Check whether a balance transfer helps30 min
6. 6Cut one recurring cost and add it to the payment30 min
7. 7Review the balances monthly15 min

Work steps over 30 minutes are split into parts when you start, so they fit somewhere in a day; sessions — a run, an appointment, a call — stay whole.