5 ways to pay off debts comfortably 
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June 2022.
5 ways to pay off debts comfortably
1● Prioritizing debts can save you money, streamline your monthly payments and 
cut down on stress.
2● Prioritizing debts can save you money, streamline your monthly payments and 
cut down on stress. 
3● Let’s look at a few ways to get smart about your credit cards - ways to pay off 
your debt faster, while also saving you more money.
● Mortgage: $35,660
● Auto loan: $4,760
● Credit card debt: $2,980
● Student loan: $5,610
● Other debt (personal loans, payday loans, etc.): $1,520
Make your own list
Sit down and make a list, compiling all of your debts in one place. Note the 
date when payments are due each month. Keep the list handy and updated, 
too. 
Think practical
Whatever your debt is like, don't let the numbers overwhelm you. Take a 
breath and think practical. 
1
● Start with the debts that cost you most money (the ones where you’re 
paying the most in interest charges every month). Work on paying off 
2 those first.
● Keep payments within your budget. Avoid huge payments whenever you 
can. 
S top using your 
costliest card
● Find the card that’s 
charging you the most in 
interest, and set it aside 
now.
● Take it out of your wallet 
and disconnect it from 
autopay. You’ll start saving 
money right away, and if 
you need to use other cards 
in its place, at least they 
won’t cost you as much.
Refinance your loans
1● Talk to your lenders and see what’s possible. 
2● When you shift to a loan with a lower interest rate, you’ll save month after 
month. 
3
● Transfer fees and origination fees are usually involved, but you might save 
as much over the first several months.
4
● It’s a low-impact way to hold onto more money - funds you can redirect to 
pay down your cards.
Use apps like Bright
1● Lots of apps are designed to manage your debt - scheduling payments, helping 
with budgets and offering savings tips. 
2● Your personalized Bright Plan goes a step or two further, using data science to 
find the fastest, smartest ways to help you save more. 
3● Bright handles everything for you, creating a plan tailor-made to you, your 
style and your spending habits. Your Bright Plan also makes your payments for 
you, automatically, and even adjusts when your plans shift.
4● Just connect your cards, set your goals and your Bright Plan gets to work.
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