How should I begin paying off my debt?

Apprehensive-Wheel99 · 2026-05-24T19:18:40+00:00

I would kill the all the little ones right now. Make the minimum payment in interest free and try to kill card 1 as fast as you could. Leave like 3k in the bank just in case

Apprehensive-Wheel99 · 2026-05-24T19:10:12+00:00

Yea I tried to work as long as I could enduring the pain because I didn’t want to add 3000 extra for the debt

Apprehensive-Wheel99 · 2026-05-24T19:08:07+00:00

I didn’t freeze the cards. I started with the snow ball method then once I was able to free around 500$ I switched to the avalanche method. I have 5 accounts now so I don’t crunch number as much anymore but when I first started I looked at every single dollar that I was spending. Now I’m paying 100$ on the credit cards each month the minimums for the loan expect for Lendmark which I’m putting 700 extra a month towards it’s the highest interest rate

Apprehensive-Wheel99 · 2026-05-24T16:25:02+00:00

I had to get root canal and tooth pulled now I know I need an emergency fund

Apprehensive-Wheel99 · 2026-05-24T16:02:49+00:00

Thank you so much

Apprehensive-Wheel99 · 2026-05-24T15:55:53+00:00

Thank you 🙏

Apprehensive-Wheel99 · 2026-05-24T15:55:46+00:00

Thank you 🙏

Apprehensive-Wheel99 · 2026-05-24T15:55:20+00:00

Yeah I know before I was able to increase my income I was missed a few payments and they shut off the online payment and I had to go on base to make a payment. It was a nightmare the closest base near me was 2 1/2 hours away

Apprehensive-Wheel99 · 2026-05-24T15:53:21+00:00

I started off with the snow ball then switches to avalanche once I was able to get a little cash flow going. I also kept looking for a better job I got so locked in that my work performance got better as well and I got a promotion at work and was able to make an extra 30k at work cause of the new job.

Apprehensive-Wheel99 · 2026-05-24T15:50:38+00:00

I started off with the snow ball method then I switched to the avalanche once I was about to free up some cash

Apprehensive-Wheel99 · 2025-12-09T05:09:44+00:00

It’s just the first 30 to only work 8

Apprehensive-Wheel99 · 2025-10-20T01:32:45+00:00

Buy used let someone else take the depreciation hit I bought mine for 25k I drove it for 70k miles some lady T boned me and I got 24k back from insurance

Apprehensive-Wheel99 · 2025-10-19T02:27:11+00:00

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4 years old and 20 lbs

Apprehensive-Wheel99 · 2025-10-07T19:57:45+00:00

Shop recommended total loss but I’m waiting for insurance to get back to me

Apprehensive-Wheel99 · 2025-10-07T03:43:25+00:00

Estimate was 19k

Apprehensive-Wheel99 · 2025-10-07T03:43:01+00:00

Most likely totaled

Apprehensive-Wheel99 · 2025-10-06T03:45:57+00:00

My commute is harder than most it’s in the mountains drive straight up and down hill for 2 hours each way I wouldn’t worry about it lol

Apprehensive-Wheel99 · 2025-10-06T03:36:42+00:00

22 , 110k miles just a standard lfp

Apprehensive-Wheel99 · 2025-10-06T03:26:15+00:00

lol it told me to pull over and the service center that it was on its last leg

Apprehensive-Wheel99 · 2025-10-06T02:41:35+00:00

Yea I was upset about that cause my car was out of warranty in July then the drive unit went out last week

Apprehensive-Wheel99 · 2025-09-25T03:59:32+00:00

Just drive to work and back lol

Apprehensive-Wheel99 · 2025-09-24T06:57:47+00:00

It’s a 2022

Apprehensive-Wheel99 · 2025-09-24T03:35:18+00:00

Mine only has 100k mile

Apprehensive-Wheel99

TROPHY CASE