So what I am attacking the most aggressively right now: Balance: $3091.61 Thanks for the memories: I was so irresponsible here. Had work expenses here and then when I was reimbursed just spent the money. Ugh. Some move in expenses for my last apartment. Some random vacation spending to CO and CA. APR: 23.99% Minimum payment: $88 How long and how much if I pay the mins: 15 years and $7438. (ouch!) What I'm now playing: So since I started getting serious I've been paying at least $130 a month (what the min was at that point) + whatever interest accrued + any new charges. PLUS I get paid once a month, so I make my payment as soon as I'm paid then halfway through the month I talk a close look at my spending and try to put a small amount extra (so normally like $10-$20). I started being really serious about dealing with debt and money stress in Feb and it's really been the best thing for my sanity. Sometimes it sucks, but it's so awesome not constantly having the feeling that everything will go wrong any second.
@dj pomegranate I heart YNAB so much. Using it is the first time that I've attempted to get a handle on my finances that has actually stuck (4 months and counting! woo!). There is something about the interface and how it has you start thinking about money that really clicked for me. And somehow it's making me really excited to not only not incure more debt, but pay down the debt I have? Not sure why? I think if you are disciplined or spreadsheet minded, you could build something similar to this tool for free, but that is not where my strength is. Also I needed something I could maintain on my phone since I am terrible at sitting down and entering receipts etc after the fact. So check plus for that!