Pre-commit to sending any unexpected money — tax refunds, bonuses, gifts, side income — directly to debt before it gets absorbed into everyday spending.
Anyone receiving irregular income or annual lump sums. Accelerates payoff without changing daily lifestyle.
Pre-commit to a personal rule: 'Every unexpected dollar over $X goes to debt immediately.'
When windfalls arrive — tax refund, bonus, gift — apply them to debt within 48 hours.
Pair this with either the smallest balance or highest interest method.
Track the total extra paid through windfalls each year. Use it as motivation.