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Debt Reduction

Discover various strategies for reducing debt. Learn about the debt snowball, snowflaking, and various strategies for paying off your mortgage early. In addition to these articles, Vertex42 has created many different spreadsheet-based tools to help you. The most popular free calculators to help you analyze your debts and mortgage are our Debt Reduction Calculator and Home Mortgage Calculator.

Debt Payoff – A Good Investment?

Debt Payoff Interest Savings

Taking a break from Excel tutorials, this article compares paying off credit card debt to investing. Take an in-depth look at interest rates, liquidity risk, limited return, risk of principal loss, and tax efficiency. Perhaps debt payoff is really my best investment.

10 Strategies for Paying Off Your Mortgage Early

10 Strategies for Paying Off Your Mortgage Early thumbnail

If you are interested in getting completely out of debt, paying off your mortgage may be the largest hurdle. Here is a list of strategies for paying off your mortgage early. Most of these strategies can be evaluated using the [...]

What is a Debt Snowflake?

Debt Snowflake

Snowflaking has surfaced as a new popular term related to debt reduction. I would like to take some time to explain what this means, and how you can add “snowflakes” using the Debt Reduction Calculator. Snowflaking is basically just a [...]