Debt help ? What can I do?

What I did was figure out how much spare money I have from each pay check after bills are paid, leave enough to get me to next pay check and use that as my payment.

If you get paid every two weeks break up your bills and into whatever available money you have and pay on something each paid check. So if you have an excess of 200 each pay check pay 200 on that Bill until it's paid off then move on to the next but DON'T neglect minimum payments on the other bills as you're focusing on one Bill at a time. In 4 months I paid off 7k in bills using this method.

Do not combine them. Just work your butt off and pay them down. Most people will say pay down the highest interest rate first. But you need wins under your belt. This is not mathematical. This is emotional. Get crazy intense, and pay that debt off. You could also check out Dave Ramsey. He has a great (GREAT) guide to living debt free and building wealth. Good luck! You got this. Then cut those mall cards up! :)

Option 1) Pay them.

Option 2) There is no Option 2. See Option 1.


Sort the cards by their balances. Pay the minimums on most of them and throw every spare dime that you have at the one with the smallest balance. Once that one is paid off, start the process over with the remaining cards.