Reply #20: As if I haven't said enough already

[lizziegrace]

:shrug:

Check your withholdings and be sure you're not giving the government too much of your money to hold during the year. If you adjust your withholdings (and some may disagree here), take that $$ and pay yourself every single paycheck by putting it in savings. While paying off debt, you should try to get some money stashed away for emergencies or planned expenses like replacing an appliance or a major car repair. You could throw it at the debt, but if a crisis came up, you'd go into debt again. "Found" money like tax refunds and gifts could be split between debt and savings and like the BlackVelvet said, reward yourselves occasionally in ways that won't increase your debt load.


Edited to add link

http://www.cheapskatemonthly.com/member_tools_rdrpdemo.asp

"Rapid Debt Repayment Plan" calculator