Debt Efficiency Method
Region: US
Wednesday 09 September 2026 16:59:06 GMT
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genxjanette :
Thank you! I am paying off the one with the highest minimum payment first.
2026-09-11 22:58:53
1
Stop. It. RN :
I paid off my two smaller cards, then when it reported to the bureau I got a 18 months zero interest card, and transferred my largest amount to it, so I can continue the minimum on that card while paying down my second highest card for the next 8 months. I also got a personal loan with a lower interest rate than my car loan ands paid off my car. The personal loan will save me over $4000 in interest. I should have it all paid off in 18 months (with a cushion, just in case). Then I can double up on my house payment
2026-09-10 12:31:02
38
FiestyFarmGirl :
if it were me, I would work on the highest interest debt first
2026-09-10 16:39:32
9
William Redmon :
It’s not about finances it’s about behaviors and habits
2026-09-10 21:44:07
10
Stressedtothemax :
I paid the smallest then took the amount I paid on that card and added to the next smaller one then so on. I paid my accounts off quicker for my situation.
2026-09-11 03:09:35
1
Leann Vance :
What about non credit card debt?
2026-09-11 03:23:53
0
Melissa Durham Martin :
You also have to stop spending $ on nonessentials. You have to change your spending habits & start making your money work for you. Otherwise you will just be paying more debts.
2026-09-10 02:19:58
15
mmxm_7 :
so the ine w highest DE, pay min plus some to principal is that what you are saying!?
2026-09-09 20:40:39
0
Ellis✝️-RC-MTG :
Except you have victories to hold on to and you can add that amount to other debt. Victory produces motivation.
2026-09-11 17:27:42
0
joebesserfan :
Stop leasing cars. Drive your car as long as practical and then buy a car that’s two or three years old. No fancy restaurants unless it’s a special occasion. And most important, no airplane vacations.
2026-09-10 22:05:54
0
Vick57 :
It’s a mindset.
2026-09-09 18:56:15
4
Brenda Batista :
Honestly the only thing emptying my pockets is the kids braces 😂😂
2026-09-10 23:30:54
1
David Starkey105 :
I have been doing this for 20 plus years. there is no way I can get rid of my student loans. so I have given.uo budgeting or planning on get out of debt.
2026-09-10 17:30:48
0
kandace|masteryourmoney :
true
2026-09-11 02:10:46
0
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