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Start reducing debt by getting a realistic picture of what you have for income and what you are spending now, as well as what your current level of debt is. Fill out the Living Expense Worksheet for the current month. Then fill in the current balances for the Pay Down Debt Worksheet. To figure out where you can find money to apply towards debt you will need to reduce expenses, increase income, or both.

Once you know how much you have for paying debts, use this website to figure out your Pay Down Debt Accelerator amount. The Pay Down Debt Accelerator boosts the payment amount to one creditor until that debt is paid off. Then the Pay Down Debt Accelerator shifts to the next debt to be paid off. It keeps shifting until all debts are paid off.