I Tried Every Debt Payoff Strategy — Here's What Finally Clicked
Avalanche, snowball, balance transfers, cash stuffing — a personal breakdown of what works, what doesn't, and the mindset shift that made the difference.
Toffee TeamMarch 30The Toffee Blog
Real talk on debt payoff, interest, and taking back control of your money. Tips, strategies, and insights to help you get out of debt faster — and stay out.
Toffee TeamMarch 30
The Best Way to Organize Your Debt Payoff in 2026
A step-by-step system for getting all your debts in one place, choosing a payoff strategy, and actually sticking to it this year.
Toffee TeamMarch 30
Debt Snowball vs. Avalanche: Which Method Actually Works?
A clear breakdown of the two most popular debt payoff strategies — and how to choose the one that fits your situation.
Toffee TeamMarch 30
The Real Reason You're Not Making Progress on Debt
It's rarely about willpower or income. Here are the structural reasons debt payoff stalls — and what to do about each one.
Toffee TeamMarch 30
I Had $18,000 in Debt and Had No Idea What It Was Actually Costing Me
A personal account of carrying $18,000 in debt without understanding the true cost — and the wake-up moment that changed everything.
Toffee TeamMarch 30
Why Paying the Minimum on Your Credit Card Is a Trap
Discover why making only the minimum payment on your credit card costs you thousands in interest and how to break free from the debt trap for good.
Toffee TeamMarch 30Browse articles by category