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Line up your debts from smallest to largest.
Pay minimum on all of them except lowest, throw everything else you can muster at it.
When it comes to your car loan, get it refinanced to lower your payments. If you lower car payments, you can throw more money at your lowest debt to pay it off faster.
You can also make your money work for you by getting an American Express card and consolidate normal small purchase monthly expenses into one payment that you earn points on. Consolidating monthly expenses on to one AmEx card allows you to switch banks between pay periods if you are unhappy with your bank, if you continue to receive “No” for an answer to auto loan refinancing requests. I recommend a credit union.
Once you are beyond your auto loan payments, and own the title to your car, your car generates money for you so long as you keep up maintenance. Continue to throw everything you can muster at the lowest debt you have after the car loan, usually student loans.
Break down student loans individually, and continue your debt snowball until all student loans are eliminated. Never ever ever pay attention to which debt has the largest interest rate, this only confuses people into making the wrong decision about which debt to pay on. If you pay on the higher interest loan, the lower one never goes away and you just toss more money to interest – not preferable. Always, no matter what, focus on eliminating the lowest debt in any circumstance to the Debt snowball approach. 90% of Americans are in debt and do not know how to manage their money, so you are 90% likely to get poor financial advice from people. I am the 10%, I am winning at the Debt game by implementing Dave Ramsey’s debt snowball. Check out my book (http://www.amazon.com/B-I-E-DEBT-HOW-BUDGET-EXCEL-ebook/dp/B00GVHE3RM/ref=sr_1_1?ie=UTF8&qid=1387214391&sr=8-1&keywords=BIE+BIE+DEBT+Dybowski) to learn how to do it in Excel for yourself.

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