Build your debt payoff schedule

Your 90-day action plan

Watch the overview

You have the theory. Time to build the plan. A 90-day starter schedule from drowning to moving.

Don't skip steps. Don't change the order. Each step makes the next one easier.

Work this for three months and you'll be in a fundamentally different place.

Steps

1. Week 1: List everything. List every debt. Creditor, balance, minimum, rate, due date. You can't solve what you can't see.

2. Week 2: Calculate your DTI. Use the formula from Lesson 3. Write it at the top of the list. That's your starting score.

3. Week 3: Pick your target. Using snowball or avalanche, circle the one debt you'll attack first.

4. Week 4: Build your buffer. Open a separate savings account. Route 5 to 10% of every income into it. Goal: one month of bills.

5. Month 2: Call for rate cuts. Call every credit card and ask for a rate reduction. 30 minutes. Can save you thousands.

6. Month 2: Start surge payments. Let Able route surplus income to your target debt on good months.

7. Month 3: Review progress. Recalculate your DTI. Check how much principal you knocked off. Adjust if needed.

8. Month 3: Lock it in. The system should feel like routine by now. That's the win. Consistency beats intensity.

Able routes every deposit automatically. Taxes, bills, smoothing reserve, debt, and your own pay. 30 days free. Cancel anytime.