FreeByDate Blog

Debt thinking, real numbers, no fluff

Regular posts on debt psychology, strategy, and the data behind getting out of debt faster. Opinionated and grounded in evidence.

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Debt Education
The Real Cost of Minimum Payments in 2026
Credit card companies disclose the minimum payment due. They do not disclose what following it costs you. We ran the numbers. The results are worse than most people expect.
July 2026  ·  9 min read
$15K
Interest paid on a $10,000 balance over 20 years
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Debt Psychology
Why People Stay in Debt: The Psychology Behind It
Most people in debt are not irresponsible. They are rational actors responding to systems designed to extend their debt as long as possible.
July 2026  ·  10 min
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Debt Strategy
How to Pay Off Debt on a Variable Income
Freelancers and contractors can pay off debt faster than salaried workers if they use income volatility as a tool rather than an obstacle.
July 2026  ·  8 min
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Debt Education
The Real Cost of Minimum Payments in 2026
At 22% APR, a $10,000 balance on minimum payments takes 20 years and costs $15,000 in interest. We break down the exact numbers.
July 2026  ·  9 min
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Looking for a comprehensive guide?
See all guides
Debt Strategy
Snowball vs Avalanche: Which Method Actually Works?
Debt Education
Why Minimum Payments Cost You a Decade
Debt Strategy
How to Pay Off $20,000 Without Earning More
Strategy
The Debt Payoff Surplus Method