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Originally Posted by Bungleau
Since you asked...
Head over to your bookstore or local library and look for Dave Ramsey's Financial Peace book. It covers a lot of things, but there are two main important ones: the baby steps and the debt snowball. Note that he comes from the perspective that debt is bad... evil, even.
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DAVE RAMSEY FOR PRESIDENT ! ! ! !
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I also didn't snowball it, at least not on purpose. I'd have been out of debt even faster had I done so. And I did get a second job, delivering pizzas. Programmer by day, pizza guy by night. In addition to having more money coming in, I had less time to spend it, meaning I kept more of it.
Whatever works for you...
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I did the delivery gig too, and that's been the most effective at cutting my balances. Like you said, more $$ coming in + less time to spend it. I just got burned out on 60-70 hour weeks. I'm rested up now & willing to do it again, I've just been looking for something different for a 2nd job.