Look into the snowball vs avalanche methods for debt repayment (see here for an article overview and here for a reddit discussion). Figure out which one is more likely to be more helpful to you given your current financial situation and make a payment plan based on whichever method you decide to follow. Given that you're visibly struggling with cash flow, I'd tentatively recommend the snowball method (at least, at... Source: 11 months ago
You can run the scenarios here though... https://unbury.me/. Source: 11 months ago
If you want to compare the two methods lookup avalanche vs snowball. Here is a calculator to help guide you: https://unbury.me/. Source: 11 months ago
With that said, I would also recommend that the two of you start doing your finances together, and both have an accurate overview of all of your assets, all of your debts, all of your financial obligations. Then the two of you together can start making decisions on how to move forward. And you can support each other in making the right choices along the way. A debt calculator could help you understand how long it... Source: 11 months ago
I recommend https://unbury.me - great tool to help you plan paying off your debt. Source: 12 months ago
Https://unbury.me is an excellent tool for visualizing the optimal paydown strategy. Source: 12 months ago
Here’s a great tool that can help you plan how to pay off your debt. Strongly recommend the snowball method. https://unbury.me/. Source: 12 months ago
Consider reaching out to workforce development organizations. Maybe the problem is your resume, and they can help you improve it. Maybe they'll know about other job opps. Work it! You don't have to make much more to break even. It seems too soon to be considering bankruptcy. You didn't say what the total amount of your debts are, though. Run them through https://unbury.me/ and figure out the best order in which to... Source: almost 1 year ago
Check out https://unbury.me to see how fast you can pay this off. Source: about 1 year ago
Obviously, create a budget and then tune it as you get better at keeping track of your expenses. Money is a limited resource, it needs a plan and the budget forms the basis of where that resource can be applied. Put that resource to work. I like https://unbury.me/ for a simple interface to put in debts and play with different scenarios and payment amounts. Source: about 1 year ago
Plug your cards balances & interest rates into unbury.me. You can put in your minimum payments on each card, then see how additional payments will shorten your payoff date. It lets you choose between avalanche and snowball payoff methods. Source: about 1 year ago
Unbury.me is a really simple calculator that lets you plug in your debts, minimum payments and interest rates. It gives you a picture of quickly you can pay them off with extra payments and what you'll save in interest. Source: about 1 year ago
Https://unbury.me can be used to make a plan; or to make an initial plan now and then every month see how much faster you're (hopefully) going than the base plan. Source: about 1 year ago
Also, here's a handy calculator that can help you map out your debt-free day: https://unbury.me/. Source: about 1 year ago
Plug your info here and play with the interest rate: https://unbury.me/. Source: about 1 year ago
Https://unbury.me/ is a pretty good website that may help. It lets you enter all the debts you're dealing with and play around with different scenarios like tweaking monthly payments, avalanche vs. snowball, etc. Source: about 1 year ago
There are no appropriate amounts. $0 is the only appropriate amount. You worked hard for that money. They didn't. You've got debt! You could have paid that down! Paying the principal down now can cut years and thousands of dollars of debt later. Go ahead and play with https://unbury.me/ and see how much your giving has actually cost you in the long run. Source: about 1 year ago
And yes, mathematically, paying them off largest interest rate to smallest will get the job done the fastest with the lowest amount of interest. But there's something to be said for the snowball method with trades some of that time and interest for the advantage of freeing up your discretionary payments more quickly. Use a tool like unbury.me to figure out the cost/time differences and see if they're large/small... Source: about 1 year ago
A Reddit user whose name I can't recall created a free website that is extremely useful for playing around with how to get 'unburied' from debt. Plug in the data and see how much more than $50 you'd need to pay over the minimum in order to close the loan within the amount of time you are shooting for. unbury.me. Source: over 1 year ago
A website like http://unbury.me can help you manage debt. Especially if you have multiple debts it can give you a nice way to see when you'll finish paying them. But in your case, it may still help you calculate when you'll be debtfree. Note the date. And then, whenever you make an extra payment, make a new calculation with the new situation (new balance) and you will see that you'll be debtfree sooner. Might be... Source: over 1 year ago
You need to input the debt amount and interest rates into https://unbury.me/ and you want to pay off the card with the highest interest rate first. This will save you the most in the long run. Seeing a date when this will be paid off will help you focus and know when the pain will end. Source: over 1 year ago
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