@debtefficiencymethod: You're paying the wrong credit card off first. Take your minimum payment and divide it by your balance — the highest number is the one to pay off first. That's the card eating the most of your paycheck, and clearing it frees up your cash the fastest. That freed-up cash is what really gets you out of debt. #PersonalFinance #CreditCardDebt #moneytok #financialfreedom #debtfree