As I posted below in my "intro" I have $32,147 in debt, which includes 4 CCs and a hospital bill. I have decided to break that down into five separate steps, to keep my motivation high. Step 1 will be paying off the smallest credit card $1665.93. Step 2 will be the hospital bill $4587.87, and step 3 will be the next smallest CC $4222.43. The hospital bill is larger than the step 3 CC but emotionally I really want that hosptial bill gone. I will tackle the larger 2 CCs later.
So how do I calculate a timeline of how long each step will take? I hope to get step 1 done by the end of October. My husband gets paid twice a month, and I get paid weekly (although he makes way more than I do ) In the past, I've been really aggressive at paying down CCs but then run out of money for regular bills. I'm not very good at this and need all the help I can get!