Start with basics Always pay at least the minimum on time to keep your credit score high This also helps avoid extra fees Next build a cash buffer to handle small surprises without derailing your progress Capture any employer k match before focusing on extra payments Target high-interest credit card balances first Keep essential bills paid while you work on debt Use the snowball or avalanche method to stay on track Make a list of all your accounts and set clear goals Automate payments when you can Look into consolidation balance transfers or nonprofit programs if they save you money and simplify your payments Keep retirement in view Aim to save about of your income before taxes Compare extra payments to investing using a rule of thumb If you're feeling overwhelmed learn about your rights with collectors and consider relief options as a last resort https youtu be FwHm vz Dqo si nxs -qOV BCOHudR Key Takeaways Always make minimum payments on time to protect credit and avoid fees Start with a emergency buffer before aggressive payoff Capture any k match then prioritize high-rate balances Choose snowball or avalanche based on motivation and math Automate payments and use reliable information for big decisions Consider consolidation or nonprofit DMPs to simplify payments Know your rights with collectors and view relief as a last step Start Strong Make Minimum Payments On Time and Build a Cash Buffer Protect your standing with creditors by making all minimum payments on time Building a short-term... Login to read full