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SVTPerformance's Chain of Restaurants
Road Side Pub
Staying Motivated With CC Debt Payoff
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<blockquote data-quote="nudarkshadowl" data-source="post: 14575330" data-attributes="member: 30948"><p>Automate everything! I auto transfer savings, 401k, Roth Ira, credit card, and home equity payments directly out of my paycheck biweekly. This way if you don't see it, you won't be tempted to spend it. Also, with credit cards I try to pay it (only have one) off completely every month. I used to put everything on my cc, monthly bills, expenses, gas, etc. for the points, but swiping plastic all the time was just too easy so I went back to paying cash for everything. Doing so caused me to better watch my accounts and plan accordingly. If I don't have the cash in my account for something, then I don't really need it right then and there anyway. If I really want something, I save until I have the money to pay cash for it. Impulse buys were/are my biggest issue, as well as eating out for dinner too much. Trying to cut back on this as well, but with Xmas coming up, it's been difficult to not just slap down the cc for gifts, etc. Good luck and stick to your guns man, and you'll get there. Making the effort to paying off your debt your top priority is the first step, and the hardest part is sticking to it, but automating things makes it easier for sure.</p><p></p><p>Also, I use an app called Check, it combines all of your accounts, cc, saving, investment, etc into one easy to use app. I also use Readyforzero, which is a debt payoff planning app. It combines all of your cc accounts, and prioritizes payments for the highest interest card, and then gives you a plan to pay it off in the fastest manner possible. You can even increase your payments on stuff to get a visual of how it would change the time line of your debt payoff plan! Cheers!</p></blockquote><p></p>
[QUOTE="nudarkshadowl, post: 14575330, member: 30948"] Automate everything! I auto transfer savings, 401k, Roth Ira, credit card, and home equity payments directly out of my paycheck biweekly. This way if you don't see it, you won't be tempted to spend it. Also, with credit cards I try to pay it (only have one) off completely every month. I used to put everything on my cc, monthly bills, expenses, gas, etc. for the points, but swiping plastic all the time was just too easy so I went back to paying cash for everything. Doing so caused me to better watch my accounts and plan accordingly. If I don't have the cash in my account for something, then I don't really need it right then and there anyway. If I really want something, I save until I have the money to pay cash for it. Impulse buys were/are my biggest issue, as well as eating out for dinner too much. Trying to cut back on this as well, but with Xmas coming up, it's been difficult to not just slap down the cc for gifts, etc. Good luck and stick to your guns man, and you'll get there. Making the effort to paying off your debt your top priority is the first step, and the hardest part is sticking to it, but automating things makes it easier for sure. Also, I use an app called Check, it combines all of your accounts, cc, saving, investment, etc into one easy to use app. I also use Readyforzero, which is a debt payoff planning app. It combines all of your cc accounts, and prioritizes payments for the highest interest card, and then gives you a plan to pay it off in the fastest manner possible. You can even increase your payments on stuff to get a visual of how it would change the time line of your debt payoff plan! Cheers! [/QUOTE]
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SVTPerformance's Chain of Restaurants
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Staying Motivated With CC Debt Payoff
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