By now, you’ve tracked your spending, cut unnecessary costs, and maybe even built up a small emergency fund. September is the month to turn up that momentum toward paying down debt.

Debt—especially high-interest debt like credit cards—can quietly drain your budget and slow down progress toward your bigger goals, whether that’s buying a home, a home renovation, or simply having more breathing room each month!

The good news? With a focused plan, you can start knocking it down faster than you think.

Two of the most popular methods are:

• Debt Snowball Method: Pay off your smallest debt first while making minimum payments on the rest. Each time you eliminate a balance, roll that payment into the next debt. This builds motivation and momentum.
• Debt Avalanche Method: Focus on the debt with the highest interest rate first. Once that’s gone, move on to the next highest. This saves you the most money in interest over time.

To free up extra cash for debt repayment, revisit the expenses you trimmed in May and redirect that money toward your chosen method. Even an additional $50–$100 a month can make a noticeable difference over the next several months.

Think of September as your chance to “reset” before the busy holiday season begins. By tackling debt now, you’re not only lightening your financial load—you’re also setting yourself up to end the year with more freedom and less stress.

I LOVE talking numbers! So please feel free to reach out with any questions on your budget or how you can reallocate funds to work towards your financial goals faster.