Three strategies
One honest comparison, in rands and cents.
Most people pick a payoff method by feel. Dawn-Debt Tool shows you the real trade-off between each option for your debts.
Avalanche
Target the highest interest rate first. Mathematically the cheapest path — saves the most on interest.
e.g. save R14,600 vs minimums only
Lowest costSnowball
Knock out the smallest balance first. Wins on motivation through quick, visible progress.
e.g. clear first account in 4 months
Best motivationConsolidation
See if one loan at a lower rate would actually save money once fees and term are counted.
e.g. R2,400 → R1,860/mo
Simplifies admin