"In just over two years we
have eliminated $114,364
of debt since applying the
DebtBuster® System."

CHRIS & SARAH CHAMBERLIN - Iowa

DebtBuster® Overview

The reason why the DebtBuster strategy works is simple. By eliminating one debt at a time, you focus your efforts and create debt-reduction momentum. You can start where you are right now, today. Here's how it works:

Stop using your credit cards to spend money you don't have on things you don't need.

Target one credit card at a time by applying as much money as you can toward the credit card you can pay off fastest, paying only the minimum monthly payments on the rest. This allows you to focus your debt reduction efforts on an attainable goal.

Repeat with the next card. With each credit card debt you eliminate, the amount of money you have available (momentum money) to take aim at your debt increases. This is how you accelerate your debt reduction process.


Credit Cards

The truth about credit cards. Credit card companies lend people money in exchange for paying it back at a premium interest rate. These interest rates, accumulated on minimal monthly payments, keep millions of Americans mired in debt for decades.
Credit card
Visa
Balance owed
$2,000
Interest rate
17.9%
Minimum payment
$80
The above credit card would take
9 years and 6 months
to pay in full using only minimum payments.
Enter your credit card debts* *AdvoCare ensures that none of the information entered here is viewable by anyone other than you and in no way is or can be used for anything other than DebtBuster. We do not store any of the information entered below. This is for your viewing purposes only. Do not use this calculator for mortgages and bank loans.
How long will it take to pay off your credit cards using only minimum payments?
Get your most recent credit card statements and fill out the fields below:
Credit Card
(eg. Wells Fargo Visa)
Balanced
owed
Interest
rate
Minimum
payment
$
%
$
$
%
$
$
%
$

Mortgages

Let's look at a typical mortgage. A typical $100,000 mortgage, paid back over 30 years, will actually cost you $239,508.90 to pay off. Adding "momentum money" each month IN ADDITION TO your regular payment can significantly reduce your term, total pay-off and total interest paid.
Loan amount
$100,000.00
Interest rate
7.0%
Term in years
30
Total payoff
$239,508.90
Enter your mortgage* *AdvoCare ensures that none of the information entered here is viewable by anyone other than you and in no way is or can be used for anything other than DebtBuster. We do not store any of the information entered below. This is for your viewing purposes only. Do not use this calculator for credit card debts.
Replace these figures with your own mortgage numbers to calculate your payment plan and "what-if" scenarios.
Loan
amount
Interest
rate
Mortgage
term in years
$
%
It will take you

to pay in full using only minimum payments.
DebtBuster can reduce the time it will take to pay off your credit cards:
Pay method
Before DebtBuster
With DebtBuster
Paid in full

Debt-free date

How DebtBuster Works:
Choose a monthly payment amount and stick to it. Making consistent monthly payments - NOT just the minimum payment the credit card company asks for - will help pay off more principal debt each month.

Make a plan of action:
[1] Pay as much as you can each month to targeted creditor no. 1.
[2] Continue making only minimum monthly payments to your other creditors.
[3] When creditor no. 1 is paid in full, the next creditor in line then becomes your primary target.
[4] Use the same payment principles to this targeted creditor.

Applying momentum money can pay off your creditors faster:
*Momentum money is any additional cash you can apply toward your No. 1 creditor.
+$25

+$50

+$100

+$200

+$500

Want more money? AdvoCare can be your source of momentum:
If you've finally gotten serious about taking control of your finances and eliminating debt, AdvoCare could be your solution to generating additional momentum money to achieve debt-freedom and pay off those credit cards faster.

Use your AdvoCare profits as momentum money to apply toward your debts. The more income you make from AdvoCare, the more momentum money you'll have, and the closer you'll be to achieving debt-freedom and life on YOUR terms.

Thousands of AdvoCare Distributors have eliminated hundreds of thousands of dollars in combined debt. Start applying the principles from the FREE DebtBuster program today!

Monthly Payment Plan

Payment
Term in years
Total payoff
Total interest
Applying momentum money can pay off your creditors faster:
*Momentum money is any additional cash you can apply toward your No. 1 creditor.
+$25



+$50



+$100



+$200



+$500



« Total payment
« Term
« Total pay-off
« Total interest

Want more money? AdvoCare can be your source of momentum:
If you've finally gotten serious about taking control of your finances and eliminating debt, AdvoCare could be your solution to generating additional momentum money to achieve debt-freedom and pay off those credit cards faster.

Use your AdvoCare profits as momentum money to apply toward your debts. The more income you make from AdvoCare, the more momentum money you'll have, and the closer you'll be to achieving debt-freedom and life on YOUR terms.

Thousands of AdvoCare Distributors have eliminated hundreds of thousands of dollars in combined debt. Start applying the principles from the FREE DebtBuster program today!