Have you explored Dave Ramseys Snowball method? You pay a total of 256.00 extra a month if you just look at the low end of what you are paying extra. You could pay off Penny’s in a little over 2 months with that extra and then you will have the 256 plus the 30 Penny’s […]

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I totally understand the impatience Monster (and the frustration Monster, the despair Monster–I’ve met them all!). One way that’s worked for me in the past is to pay minimums on everything but the card with the lowest balance. Pay whatever you can extra on that card with the low balance and watch it go away […]

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That is fighting the Monster of Impatience. I know the goal will be met and achieved, but how do you control the impulse to pay too much at a time to debt? I pay so much to the debts, getting them down, and a couple of times I leave myself a little short. Not short […]

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