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The detailed guide below is currently available in English.
Snowball or avalanche?
Both methods direct one fixed monthly budget at a list of debts. Avalanche pays the highest APR first and is cheapest in total interest. Snowball retires the smallest balance first, producing paid-off accounts early — research on motivation suggests those quick wins help many people finish at all. The mathematically best plan you will abandon loses to the slightly costlier one you complete.
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Why does my payoff feel stuck at the start?
At high APRs the first payments are mostly interest — a 22% card charges about 1.83% of the balance every month before any principal moves. Raising the payment is the fastest way through that phase.
Should I consolidate instead of extra payments?
If you can borrow at a much lower fixed rate and will not run the cards back up, consolidation can save real interest. Compare both with the debt consolidation calculator before committing.