Blog

Short, practical guides: how to calculate it yourself in Google Sheets or Excel, and the template if you would rather not build it.

• Debt Snowball vs Avalanche: Which Pays Off Debt Faster? (Same 5 Debts, Calculated)September 19, 2026 · Budget & Money · The same five debts run three ways in a spreadsheet: minimums only, snowball, avalanche. What actually changes the debt-free date, plus the Google Sheets formulas to check your own numbers.