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SpiritualQuokka t1_iy4grta wrote

Make a budget, minimize your expenses so that you can focus on your stated priorities of paying off debt, fixing issues with your home and preparing to sell your home. Look at everything - the fact that your car payment is lower than it was does not mean it is as low as it can be. Before you commit to spending money, ask yourself - is this expense more important to me than my debt pay-off, home repair and home sale goals?

Then, apply your money as follows:

  • Get all debts current
  • Pay minimum payments on all debt to keep them current
  • Direct all other funds to the highest interest rate debt until paid off, then rinse and repeat with the next highest rate debt
  • Fund home repairs
  • Fund costs to sell home/move
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