Some are really great and inspiring; others are really annoying, because they don't actually share any real numbers or advice for how to get it done.In fact, these types of posts are so predictable, they often follow a formula: the more outlandish the amount and payoff timeline, the less information there is in the post.00 divided by 3 (for # of months) = 00 in debt payments each month.That still seemed like a huge amount, so I bit the bullet and moved

Some are really great and inspiring; others are really annoying, because they don't actually share any real numbers or advice for how to get it done.In fact, these types of posts are so predictable, they often follow a formula: the more outlandish the amount and payoff timeline, the less information there is in the post.$8100 divided by 3 (for # of months) = $2700 in debt payments each month.That still seemed like a huge amount, so I bit the bullet and moved $1,000 that I could spare from my savings. In fact, if you're in debt, you should start an emergency fund if you don't have one to avoid future credit expenses when those emergencies arise.That could make a huge difference plus save you tons of money on interest.With my target date of three months in sight, and zero debt consolidation or zero balance transfer offers to take advantage of, I then began to work backwards.Still, a big component to paying off debt quickly is This is because interest compounds, so the higher the interest rates – the more you pay and it'll take you longer. If your credit is decent, (I repeat don't try this unless you have good–ish credit!) I'd try 0% balance offers with credit cards before trying to consolidate to a lower interest rate. Because paying zero interest for a certain number of months is a great way to leverage credit strategically to pay off debt.

Some are really great and inspiring; others are really annoying, because they don't actually share any real numbers or advice for how to get it done.

In fact, these types of posts are so predictable, they often follow a formula: the more outlandish the amount and payoff timeline, the less information there is in the post.

$8100 divided by 3 (for # of months) = $2700 in debt payments each month.

That still seemed like a huge amount, so I bit the bullet and moved $1,000 that I could spare from my savings. In fact, if you're in debt, you should start an emergency fund if you don't have one to avoid future credit expenses when those emergencies arise.

That could make a huge difference plus save you tons of money on interest.

With my target date of three months in sight, and zero debt consolidation or zero balance transfer offers to take advantage of, I then began to work backwards.

Still, a big component to paying off debt quickly is This is because interest compounds, so the higher the interest rates – the more you pay and it'll take you longer. If your credit is decent, (I repeat don't try this unless you have good–ish credit!

) I'd try 0% balance offers with credit cards before trying to consolidate to a lower interest rate. Because paying zero interest for a certain number of months is a great way to leverage credit strategically to pay off debt.

A refinance loan works for those with over ,000 in debt, but with less than they would consider to be staggering. For those who have average credit and few other options, there is debt consolidation or working with a debt management company.Or click here to take the FREE course, “The Debt Master Plan.” I knew I needed to do something drastic in order to get rid of all my debt, once and for all, but making significant sacrifices for an entire year felt like a real drag (spoiler alert: paying off debt is ALWAYS a drag, which is why you should avoid getting into it in the first place.) Twelve months also seemed so, so, so incredibly far away. I'm also the type of person that likes to get the painful bits over with right away, so I started brainstorming ways to help me accomplish my goal in a way that felt good and authentic to me as a person.A whole YEAR before I could jump up and down about being debt free? Start at the top of the new year, and with my birthday being in March, being debt free seemed like a great thing to gift myself.If you don't know how much you owe, this is the first step.I know it isn't easy to take a good, hard look at what you owe, but I promise it is worth it.But you have the money to do this, I recommend it, because that money would likely serve you more by reducing balances you owe money on, rather than sitting in an account accruing negligible interest. I am a big fan of hacking your budget regularly to find hidden money.Contributing

A refinance loan works for those with over $5,000 in debt, but with less than they would consider to be staggering. For those who have average credit and few other options, there is debt consolidation or working with a debt management company.

Or click here to take the FREE course, “The Debt Master Plan.” I knew I needed to do something drastic in order to get rid of all my debt, once and for all, but making significant sacrifices for an entire year felt like a real drag (spoiler alert: paying off debt is ALWAYS a drag, which is why you should avoid getting into it in the first place.) Twelve months also seemed so, so, so incredibly far away. I'm also the type of person that likes to get the painful bits over with right away, so I started brainstorming ways to help me accomplish my goal in a way that felt good and authentic to me as a person.

A whole YEAR before I could jump up and down about being debt free? Start at the top of the new year, and with my birthday being in March, being debt free seemed like a great thing to gift myself.

If you don't know how much you owe, this is the first step.

I know it isn't easy to take a good, hard look at what you owe, but I promise it is worth it.

A refinance loan works for those with over $5,000 in debt, but with less than they would consider to be staggering. For those who have average credit and few other options, there is debt consolidation or working with a debt management company.Or click here to take the FREE course, “The Debt Master Plan.” I knew I needed to do something drastic in order to get rid of all my debt, once and for all, but making significant sacrifices for an entire year felt like a real drag (spoiler alert: paying off debt is ALWAYS a drag, which is why you should avoid getting into it in the first place.) Twelve months also seemed so, so, so incredibly far away. I'm also the type of person that likes to get the painful bits over with right away, so I started brainstorming ways to help me accomplish my goal in a way that felt good and authentic to me as a person.A whole YEAR before I could jump up and down about being debt free? Start at the top of the new year, and with my birthday being in March, being debt free seemed like a great thing to gift myself.If you don't know how much you owe, this is the first step.I know it isn't easy to take a good, hard look at what you owe, but I promise it is worth it.But you have the money to do this, I recommend it, because that money would likely serve you more by reducing balances you owe money on, rather than sitting in an account accruing negligible interest. I am a big fan of hacking your budget regularly to find hidden money.Contributing $1,000 right off the bat brought my total each month to roughly $2400, which is still high, but do-able in my timeline. (To see how I do this, click here.) There's also no better time to tighten the ol' belt than when you're getting really serious about your debt payoff.It's not glamorous, or sexy, and it's often boring and frustrating.It's why a lot of people fail and give up and live their lives in debt.But for those of you that have decent credit, ~$10k in balances, and little time to hustle – there are a few other options, which I've listed below.At the time I was doing this challenge, I wasn't eligible for any balance transfer offers and since I wanted to be done with debt fairly quickly, I didn't feel taking time to lower my interest rates (plus any balance transfer fees) was worth the money.I wanted my big debt payoff post to be different AND actionable, so here's the step-by-step plan for how I tackled my own aggressive debt pay off plan and paid down over $8,000 in 90 days.Because I'm a finance person, I knew how much I owed because I was tracking it in my Net Worth Spreadsheet that's in my Grow Your Money Tree tool kit.For those who don't want to splurge on the tool kit, I also offer a FREE debt tracker to those who sign up for my email list. Get a handle on your debt by using our free debt tracker.Click here to subscribe and grab the debt tracker and six other worksheets in our “Best Life Vault”!