About

Who I Am

I'm Jordan Myers. Four years ago, I had $47,000 in consumer debt — two maxed-out credit cards, a personal loan I'd taken to consolidate the first round of credit card debt (which then grew back), and a car loan I couldn't afford. My credit score was 582. I was making $52,000 a year and spending $1,100/month just on minimum payments.

I didn't have a finance degree. I didn't have a rich uncle. I had a spreadsheet, a lot of frustration, and a decision to stop pretending everything was fine.

How I Got Out

I started with the debt snowball method because I needed wins. Knocking out my smallest balance ($2,300 on a store card) in three months gave me the momentum to keep going. Once I had three debts cleared, I switched to the avalanche method to save on interest — by then, I didn't need the psychological boost anymore.

It took 3 years and 7 months. I paid $6,200 in interest along the way. My credit score is now 781. I'm not special — I just kept going when it got boring.

Why I Built This Site

When I started, I couldn't find a debt calculator that actually showed me both methods side by side with my real numbers. Every article I read was either too generic ("just pay more than the minimum!") or too corporate ("consider a balance transfer" — from a site that sells balance transfers).

I wanted real math, real timelines, and advice from someone who'd actually been in the hole. That's what I write here. Every number in every article is either from my own experience or calculated using the same tools on this site.

My Approach

• Real numbers, not vague advice. If I say something saves money, I show the math.
• Personal experience first. I write about strategies I've actually used.
• No affiliate-driven recommendations. If I link to a tool or service, it's because I used it.
• Honesty about what doesn't work. Side hustles, extreme frugality, consolidation — I've tried them all and report the good and bad.