@debtefficiencymethod: How I paid off $160K — no strict budget, no lifestyle changes. Rank debts by DE% (minimum ÷ balance), budget per paycheck, and the night before payday split what's left: 60/40 to savings/debt until $2,500 saved, then 80/20, then 100% to debt. Free tool in my bio. #CreditCardDebt #DebtPayoff #DebtEfficiencyMethod #PersonalFinance #debtfree

debtefficiencymethod
debtefficiencymethod
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Region: US
Tuesday 27 October 2026 17:16:36 GMT
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_unsolicited_advice_
Unsolicited Advice :
splitting every paycheck is so underrated. how long till the first one was gone?
2026-10-28 19:28:11
1
moneydog287
Moneydog :
My issue is I’m already working two jobs 65 hours a week and there’s no extra money. And there’s nothing I can sell. I don’t own a car. I don’t own a house. I don’t have a mortgage. I literally have nothing left and I am behind on a few payments for some things. I’m barely keeping up on the other things. I don’t know how to get out of this. I’m beyond underwater as the saying goes I’m hoping to suggestions. I may try this method. I just don’t know how it would work when there’s nothing extra.
2026-10-28 08:08:01
4
tahneecrystal
tahneecrystal :
So are you adding up your monthly bills and necessities and dividing by the weeks in that month? because some weeks whats due is more than a weeks pay.
2026-10-28 14:16:47
5
justjackie_z
JackieZ :
Thoughts on. Transferring to lower interest card?
2026-10-29 18:06:02
1
et3601
Ebony :
What do u mean?
2026-10-27 19:14:51
1
financiallyfreewka
financiallyfreewkate :
I feel like this is such a smart move. I’d love to try this?
2026-10-27 19:01:51
1
user77167548110022
user7716754811002 :
😂😂😂
2026-10-28 11:33:33
1
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