@debtefficiencymethod: Not all extra debt payments are equal. One number tells you which credit card to pay off first: your minimum payment divided by your balance — your debt efficiency percentage. The higher it is, the faster that minimum drops and frees up cash to save and pay off debt at the same time. In my own math, this paid off debt up to 20% faster than the snowball method — even with every dollar going to debt and nothing in savings. Want your debts in the right order? Link in my bio. #PersonalFinance #CreditCardDebt #moneytok #financialfreedom #debtfree

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Monday 02 November 2026 17:00:00 GMT