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If you guys budget well, you definitely have the income to make this not drag out forever. Given your wife's skin condition, anyone who would poo poo $150 in personal hygiene costs on your income has no soul. You mention $24k in car loans, what is/are the interest rate(s) and duration(s) on the loan(s)? Can either you or your wife avoid driving to work based on where you live? Unless your car note has an egregious interest rate, I vote you should debt snowball. If you have a bunch of extra cash laying around, you should wipe out one of the smaller cards and roll the minimum payment into either your Amex or the other small card for that psychological boost at the beginning. It's not mathematically optimal, but that psychological boost will keep things rolling.
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Apr 8, 2014 23:44
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| # ¿ May 11, 2024 23:56 |
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