Pay Off $10K of Credit Card Debt

Every month of interest is a tax on your past. Attack $10,000 of credit card debt with a plan and make your paycheck yours again.

The full plan

What’s inside.

Nothing left to figure out — every habit, task, and milestone is already mapped. Add it to TXME and this becomes your daily checklist.

Log Every Purchase
Simple
You can't out-earn a leak you can't see.
Weekly Payment + Balance Update
Simple
Make the payment, update the balance, watch the number shrink.
No New Card Spending
Simple
Debit or cash only. The hole stops getting deeper today.

Day 90
First $2,500 paid off
A quarter gone. Interest is shrinking every month now.
Day 350
$10,000 paid - debt free
Redirect the old payment amount straight into savings. You won't miss it.
Day 7 · 45 min
Call issuers and negotiate your APR
Ten minutes on the phone can save hundreds. Ask for a lower rate or hardship plan.
Day 180
$5,000 paid off
Halfway. Throw every windfall - tax refund, bonus - at the rest.
Day 3 · 15 min
Pick your method: avalanche or snowball
Avalanche saves the most interest; snowball builds the most momentum. Either beats neither.
Day 2 · 30 min
List every card, balance, and APR
The full damage, on one page. Scary once beats scary forever.

Free to start — iOS & web

TXME turns it into your daily checklist — habits, tasks, and milestones tracked for you.