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Answers (7)
- Andrew Adams, "203K Specialist"
- Contributions:9349
David....This thread is almost a year old...Nothing like staying on current topics!
- David Dratwa, "DDratwa"
- Contributions:22
workabee states something that should be obvious from a mathematical point of view, but since we are talking about changing lifelong bad money habits we need to think about emotional solutions too. I prefer the pick the smallest balance first...go after it and knock it off your list....draw a big red line through it and post the list on the fridge. Huge emotional victory and very motivating. (This is the Dave Ramsey way....I highly recommend that EVERYONE listen to him free on his website anytime.)
Takes hard work and discipline, and in many cases a complete change to the way you currently think about how to become financially secure.
Takes hard work and discipline, and in many cases a complete change to the way you currently think about how to become financially secure.
- workabee
- Contributions:1030
Total up what you owe and pay the highest interest rate off first.
- sunnyview
- Contributions:25139
I like these calculators here for loan consolidation, accelerated debt payoff (snowball method) and the how much do you owe calculator. If your interested in Ramsey, here is a list of the "baby steps" free here. Look them over see if they make sense to you and get on the road to paying down your debt. Any system that relies on common sense budgeting, accelerating debt payoff and increasing your savings will work. Use the one that fits your style best and stick to it.
- prfstrkr
- Contributions:259
earn more $$$, cut unnecessary expenses, and start paying the one with highest interest rate
- MortgageShopper
- Contributions:84
I've found Dave Ramsey to be a very inspirational talk show host. www.daveramsey.com. You can listen to him online and the first hour of his financial radio shows is available as podcast for free.
- John Smith, "Noel Packard"
- Contributions:24
[content removed by moderator for being self promotional]
I am really trying to get out of debt. I owe far too much. How do I begin to get out of debt?
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