DebtFreeBy
Money & debt resources
A short, hand-picked list of free and reputable places to learn about paying off debt, building a savings buffer, and getting free help if you need it. We're not affiliated with any of them and earn nothing from these links — they're here because they're genuinely useful.
Understand the methods
- Investopedia — Debt snowball method Plain-English explainer of the strategy this planner uses.
- Investopedia — Debt avalanche method The highest-interest-first alternative, and how it compares.
- Investopedia — Emergency funds Why a cash cushion matters and how big it should be.
- Khan Academy — Personal finance Free video courses covering debt, saving and budgeting basics.
Free debt help, by country
If debt feels unmanageable, these non-profit and government services offer free, confidential advice — including options a calculator can't, like negotiating with creditors.
United Kingdom
- MoneyHelper Free, government-backed money guidance and tools.
- StepChange Debt Charity Free debt advice and managed repayment plans.
- National Debtline Free, independent debt advice by phone and web chat.
- Citizens Advice — Debt & money Free local and online help with debt and bills.
Ireland
United States
- Consumer Financial Protection Bureau Official guidance on debt, collections and your rights.
- National Foundation for Credit Counseling Non-profit credit counselling and debt management.
Canada
- Financial Consumer Agency of Canada Government guidance on managing and paying down debt.
- Credit Counselling Canada Association of non-profit credit-counselling agencies.
Australia
- MoneySmart Free government money guidance, calculators and tips.
- National Debt Helpline Free financial counselling (1800 007 007).
New Zealand
South Africa
These links point to independent third-party websites. DebtFreeBy isn't affiliated with, endorsed by, or paid by any of them, and isn't responsible for their content. Nothing here — or anywhere on this site — is financial advice; it's for planning and education only.
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