Paying Down Debt
If you are working your way out of debt, you must first know where you stand. Make a list of all your debts, credit cards, car notes, etc. and how much you owe on each.
Work on you smallest debt first, paying minimum on the rest and any extra to that one. This is the easiest way not to become discouraged. Once the smallest one is paid move on to the next, and make sure to roll what you were paying on that one to the new smallest. You will be surprised at what you can accomplish.
Keep a running total of all your debt and watch it shrink down!! You will love having the extra money to put towards other things in your budget once that debt is gone.