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[quote=Anonymous]I also recommend Dave. You don’t need to pay for his stuff, his podcasts are free. The outline is simple. 1k in emergency fund Debt snowball Etc etc. I will have paid off 30k by the end of the year. Also I don’t recommend Mint. I recommend YNAB or some other budgeting tool. If you don’t have the money do it on paper. Write your exact take home pay on the top and allocate every last penny to a task. You need to allocate EVERY dollar you make. This is will likely let you know where you can cut back, how much to the penny you can dedicate to debt per month etc. Listening to his podcasts will motivate you. You will here from people who make very little who manage to pay off a lot of debt. How do they do it? Take 2nd jobs, side gigs, etc. they eat “beans and rice” and slash any expenses that aren’t critical. Really you can turn this around in a few years and be debt free. [/quote]
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