Click here to create your own plan for financial freedom!

Plan Your Freedom is a system that creates an optimal debt relief plan for you, without any extra money, loans, credit checks, or hassles. Simply apply the payments from debts already paid off to the outstanding ones, creating a snowball that eliminates all your debts in less time, with the same money.

OK, the concept makes sense, but which payment do you increase? Most "one-size-fits-all" advice will tell you to put all your extra payment toward the highest interest. Sometimes that is the best method, but is it smarter to add the extra to the one with the smallest monthly payment? Why not speed up the debt that gets paid off next, or the one with the lowest balance? Or spread it out over all of them?

How can you pay off all your debts off fastest, AND keep the most money in your pocket?

Plan Your Freedom analysts have spent over 10 years coming up with different plans for people, and I've tried every imaginable method, including:

• highest (or lowest) interest;
• highest (or lowest) monthly payment;
• largest (or smallest) remaining balance;
• shortest (or longest) time to pay off;
• spreading the payment over all debts in different ways;
• accelerating the next one that would be paid off if the whole snowball were applied to each...

(you get the idea, we've thought about this a lot!)

All of these will help, but some may cost hundreds, even thousands of dollars more than others and take years longer. There is only one best method for each situation, so Plan Your Freedom was created to adapt to your specific numbers, giving you a month-by-month plan to eliminate your debts forever.

Within minutes, you will know how much to send where every month, until you are free and clear again. You will know that every month is a big step toward your freedom.