@amber.accountability: Replying to @Belles cherry I appreciate you bringing this up; and I’m curious what the consensus of the group is… 1) push through 13, no more distractions 2) put chunkier amounts towards smaller debt (even if it doesn’t pay it off) and continue micropaying on 13 3) abandon 13 after August and start snowballing I see benefits to all of it and I see y’all’s comments and DMs on it as well. In the end, 13 (and that big ol Ford loan) have to be paid off to achieve victory over this debt, it’s just a matter of when it happens. 🫶🏻🫶🏻 #debt #micropayments #debtpayoff #debtpayoffjourney #DebtFreeJourney

Amber | Money Accountability
Amber | Money Accountability
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Thursday 20 August 2026 17:19:43 GMT
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kingquahja
KING QUAD :
Clearing 13 is the best decision, financially.
2026-08-20 17:28:05
522
nicole.brandaulim
Nicole Brandau-Limon :
13 is a big one and it is taking forever and I feel like you get more traction and bigger contributions when the snow balling is happening because seeing them get knocked out is more exciting to see and everyone jumps on the snowball train.
2026-08-20 17:31:43
271
jmarie225
jmarie :
It does make sense to pay off the higher interest loans first. But, are you really truly snowballing? If you snowball that means all of the money you were paying to the loan that got paid off now rolls over into the new target loan. So in theory, you should be sending double the payments to the new target loan.
2026-08-21 13:09:50
0
lorna.adele
Lorna :
I don't think that catering to instant gratification desires of some followers is necessary. What you're demonstrating is consistency and grit. Not jumping ship because what you're doing now isn't fun. So I hear your gut thought on working on 13. I would finish it and then snowball. Those of us who want to see you succeed will be here for all of it.
2026-08-21 18:55:12
0
arianna.helena
Arianna Visconti ❤️‍🩹 :
It has the highest interest payment, so you will save SO MUCH MONEY by making these micro payments on 13. Keep focusing on it as someone who has studied finance and paid $28,000 in student loan debt in 1.5 years.
2026-08-20 19:07:10
164
rachel_leigh33
Rachel Leigh :
Keep working on 13. We will get there soon and it will feel AMAZING.
2026-08-20 17:24:11
298
brookeliza
Brookeliza :
Stick out 13 and then switch to snowball. The point of this series is don’t leave it unfinished!
2026-08-20 23:01:50
132
patipierce
Pati Pierce :
This is YOUR journey. Your goal! Stick to your original plan unless YOU want to change it.
2026-08-20 23:34:46
10
dozerboy1
dozerboy1 :
Highest interest rate keep paying on 13
2026-08-21 00:21:02
16
terrikingmccllung
Terri McClung :
I get it but a lot of us have Dave Ramsey mindset and would have started smallest to largest.
2026-08-22 23:02:10
0
teachyogrow
Sarah Recht :
#13 has the highest interest rate- it meds to be paid off first. It makes the most financial sense.
2026-08-20 22:16:37
7
vankatie6
vankatie6 :
Stuck with it. It’s big but you are making great progress!
2026-08-20 23:55:13
5
mzmeg241989
Mzmeg241989 :
I feel like you would get more contributions if you did the smaller ones first but I get why your sticking with this one
2026-08-20 18:09:37
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tergay
tergay :
I agree with desiree
2026-08-20 19:52:48
7
janette..p4
janette..p4 :
Do what you think is right!!!
2026-08-20 18:49:44
5
jemku
Gem :
I don't care.. just commenting for a tiny contribution 😂
2026-08-21 12:08:55
1
chris.del23
Chris Del :
Stay with 13. I agree with the perseverance and wanting the big win. Also makes sense bc of the interest rate
2026-08-21 11:43:18
1
ibneesey
Denise Everhart :
Definitely keep on going with 13.
2026-08-20 23:02:35
9
kathykenny31
Kathy Kenny300 :
Pay 13 first and then go to paying off the smaller ones
2026-08-21 01:42:00
7
mesheesweet
💜MesheeSweet Ot⁷💜 :
Stay the course.
2026-08-20 18:42:59
10
leslie.hoy
Les :
Ramsey, Ramsey, Ramsey, Ramsey
2026-08-20 19:50:15
6
donnat1111
DonnaT1267 :
Pay off 13!
2026-08-20 18:54:18
6
annagoldsmith5
Anna Goldsmith :
PUSH THROUGH!!! It will feel like such a big win when it’s all paid off!
2026-08-20 23:38:27
9
jstro67
Jill :
Think of 13 as the Mountain you have to get to the top of before you can go back down the hill. 13 is the right move financially/interest speaking
2026-08-20 18:34:33
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