When you'r first trying to create a debt reduction plan, it can be really difficult and confusing to know what to do!  Should you use the debt snowball or the debt avalanche? Do you even know what those terms mean? Which account should you focus on first, or should you just pay them all in equal amounts? Will an extra $50 a month REALLY make that big a difference?  Today, I want to share a totally free resource with you that I love to use when I'm trying to establish a debt reduction plan. It's going to help you answer…