re: Tips for paying off debt?

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I'm trying to pay a little more than the minimum payment amounts each month.

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Does not compute with:

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Dave Ramsey's techniques

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The debt snowball is very, very specific.

You set aside $1000 in an emergency fund

You then arrange your remaining debt balances from smallest to largest (excluding mortgage). You drop all but the smallest balance to the minimum payment and you THROW money at the smallest balance until it is gone.

Then you go to the next biggest balance, taking all the money you were paying on the first one and pay it until it is done.

It works every time - works like a charm and will go faster than you expect.