baby step 2

Getting rid of debt Dave says begin with your smallest debt and begin to pay it off, paying minimums on everything else first (provided you are current on all your bills, if you are not get current first.) Allot an extra amount a month you can afford to add to this debt. If you must, work an extra job, sell something on craigslist or ebay, have a garage sale. Anything extra should go to this. Suggestion: have a car payment that is 25% or more of your bring home pay? Save up some money, buy an old car with cash if you have one car, if you have two and are able to sell one, sell your most expensive car and pay off that debt. That will give you 25% more to put towards your other debt. Then start a fund for a car replacement.