Paydown Lab

Building a system to pay down debt and generate income.

The System (v1): How I’m Paying Down $74,000 Without Starting Over

In my previous post, I shared why I started this. This is how the system actually works. I have a $74,000 HELOC balance. It’s variable rate. It’s been used multiple times over the years. And if I’m being honest, there hasn’t been a clear system

How I’m Paying Down a $74,000 HELOC

Building a system to manage and pay down debt using real numbers and real decisions. Why I’m Paying Down My HELOC Several years ago, I opened a HELOC. At the time, it didn’t feel like a big deal. The balance was basically zero in the beginning. It was

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