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[quote=Anonymous]OP - we're on a three year plan to work through some huge bills that we incurred when we were both laid off in 2009 and then had to move to find work. Different techniques work best for different people, but for us the best way to deal with the debt is to pay it less aggressively than we could (but more aggressively than minimum payments) and leave small, but meaningful amounts of fun money and savings in the budget. Whenever we get too frugal and scrimp on too much in order to pay down the debts too fast, we end up blowing it and charging some ridiculous amount on the card. That puts you right back where you started and is very frustrating. So, until you have a decent rainy day fund in place, it's better to pay the debts more slowly (IMHO). Once you have some savings for emergencies or the occasional splurge, then you can be more aggressive with the debt. Good luck![/quote]
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