# Money Using power payments to pay off debt. and Beyond

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1 Money 2000 B and Beyond Using power to pay off debt When you enrolled in Money 2000 and Beyond, your goal may have been to reduce debt. Writing down your debt reduction goal was just the first step. Now it s time to get to work. Use power to pay off debt and save money in the process! Power work like this: As soon as you pay off one debt, you roll that monthly amount the power payment over to another debt. The process continues until you repay all creditors. The total amount paid for debt repayment stays the same each month. You don t have to come up with extra money to make this technique work. But to be successful, you must make a commitment not to take on any new debts or make any new charges to existing accounts until you repay all creditors. PowerPay is a computer program that calculates what your repayment and interest costs will be if you continue making at the current level. It then calculates possible savings by using power. 1

2 To see how this works, take a look at the PowerPay analysis summary printout shown in Table 1. In this example, a Money 2000 and Beyond participant is making monthly on three debts: \$50 on a department store revolving charge account, \$150 for a car loan, and \$19 minimum payment on a credit card balance. Each debt has a different interest rate, ranging from the 22% annual percentage rate (APR) for the department store account to the 6.99% 6-month introductory rate on the credit card. The total debt is \$6,950. The analysis summary compares the amount of time and cost of paying off the debts with and without power : Without power, it will take 7 years (84 months) to pay off the \$6,950 balance, and will cost \$1,711 in interest charges. With power, it will take about 3 years (38 months) to pay off this balance, and will cost \$1,202 in interest charges saving \$508 and reducing the repayment time by almost 4 years! Table 1. Analysis summary Name: Money 2000 and Beyond participant Approximate Current Monthly Annual time without Creditor name balance payment % rate power # 1 Dept store % 1 year 0 months # 2 Car loan % 3 years 8 months # 3 Credit card * 6.99% 7 years 0 months Without power Power (Paying debt with highest interest rate first) Creditor Number of Total Interest Number of Total Interest name paid paid paid paid # 1 Dept store # 2 Car loan # 3 Credit card Total monthly payment varies Total monthly payment Time to repay 7 years Time to repay 3 years 2 months Loan amount repaid \$ Loan amount repaid \$ Interest paid \$ Interest paid \$ Total amount paid \$ Total amount paid \$ Summary of benefits from making power Time required to pay off all debt reduced by 3 years 10 months Amount of money saved \$ * Credit card multiple interest rates: Introductory rate (first 6 months) 6.99 %; Rate (after 6 months) % 2

3 Table 2. PowerPay debt reduction calendar Debt with highest interest rate paid first Name: Money 2000 and Beyond participant Monthly total of all Month Dept. store Car loan Credit card Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan The PowerPay debt reduction calendar (Table 2) illustrates how power are used. Notice that in November 2000, the department store balance is paid off. The \$50 monthly debt payment is now applied to the credit card balance, because it has the highest interest rate 17.89% after the introductory rate ends. Then, after the credit card debt is repaid, the total monthly debt payment is applied to the car loan. Note: Because the car loan is an installment loan with fixed, be sure your lender will accept higher monthly. 3

6 LIBERTY 1997 LIBERTY 1997 LIBERTY by the Board of Regents of the University of Wisconsin System doing business as the division of Cooperative Extension of the University of Wisconsin-Extension. Send inquiries about copyright permission to: Director, Cooperative Extension Publications, 201 Hiram Smith Hall, 1545 Observatory Dr., Madison, WI Authors: D. Elizabeth Kiss, assistant professor and extension specialist, Department of Human Development and Family Studies, Iowa State University; and Linda A. Boelter, CFP, family resource management specialist, University of Wisconsin- Extension. Produced by Cooperative Extension Publications, UW-Extension: Rhonda Lee, editor; Susan Anderson, designer. Reviewers: Jan Garkey, Johnson County Iowa State University Extension, Iowa City, Iowa; David Mancl, administrator, Division of Corporate and Consumer Services, Wisconsin Department of Financial Institutions; F. Dean Miner Jr., Utah County extension agent, Provo, Utah; Kathy Sweedler, University of Illinois. University of Wisconsin-Extension, Cooperative Extension, in cooperation with the U.S. Department of Agriculture and Wisconsin counties, publishes this information to further the purpose of the May 8 and June 30, 1914, Acts of Congress. UW-Extension provides equal opportunities and affirmative action in employment and programming, including Title IX and ADA requirements. If you need this material in an alternative format, contact Cooperative Extension Publications at (608) (Voice & TDD) or the UW-Extension Office of Equal Opportunity and Diversity Programs. Before publicizing, please check this publication s availability. This publication is available from your Wisconsin county UW-Extension office or: Cooperative Extension Publications 630 W. Mifflin St., Room 170, Madison, WI Toll-free: (877) (877-WIS-PUBS) In Madison: ; Fax (608) Internet: B Money 2000 and Beyond: Using Power Payments to Pay Off Debt (2000) I M-75

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