the debt snowball and this is where you're going to list out all of your debts smallest to largest regardless of the interest rate pay minimum payments on everything and attack that smallest debt first then once that's paid off all the money you're putting towards that over to your second smallest Deb and you keep moving up moving up moving up until you're debt free and we find people doing the debt snowball method get out of debt in 18 to 24 months on average if you cut out everything in your budget you take an extra job it's amazing what can happen and then once you don't have payments you have margin and that paycheck to paycheck living really does stop.
