Re: paying off debt
If you have multiple cards, start by paying off the easiest one first, while paying the bare minimum on the others. When you get that one paid off, use the money from that one to pay extra on the next, in effect your piggy backing the payments. Keep doubling down on the payments each time you get one paid off. And quit using them when you get them paid down, cut them up so you won't be tempted.
Do the same thing for any other bills you might have as well.
I'm doing this with our cars. My wifes celica will be paid for in march, after that I will make the payments toward my PT & pay it off in less than half the remaining time. By the time the PT is paid I'll have plenty saved for a good down payment on a new car & both existing cars will be paid in full, giving us an extra $600 a month of usable income.
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