Debt sucks but learn from it and persevere

First of all, don’t lose heart. Debt sucks but learn from it and persevere. You can do it.

The rule of thumb is to pay off the highest interest debt first; however, this ignores human behavior. I would suggest that you pay off the lowest balance credit card first. Still try and make minimum payments. When you pay off the first one, you will likely feel a sense of accomplishment that you can do it. Then go to the next one and knock it out.

Only use your credit card as a last ditch effort to get something you need (food and shelter) not something you want.

That’s what I’m doing… I know Target is lower interest than most, because I owe the least on it. But it frees up the cash for the next to bigger debts. Barclaycard is totally in my crosshairs now. I want to pay Target off, but their charges are about six bucks. So, In this case I am actually socking it to Barclaycard more.