Last year was a fantastic year for us.  That is, until around the 20th of December.  By that time, the work dried up and silly me hadn't yet learned the lesson of saving, so we had almost nothing to cushion the blow of an EXCEPTIONALLY dry December-February period.

2 months later (April), we got married.  If you're married, then I don't need to explain to you how expensive and draining THAT can be!  Well worth it, of course, but still a very challenging event indeed!

Fast-forward to the end of April and we're done honeymooning and have more debt than we know what to do with.  Between credit cards, photographers, overdrafts and more, it becomes a careful juggling act.

Now most financial "experts" will tell you all sorts of interesting and logical ways of paying off your debt.  I'm not against that.  I'm actually FOR most of it.  Especially consolidating and paying off the highest-interest debt first.  But here's my take on deciding who to pay first...

Whoever (or whatever company) is the most emotionally taxing on you when they ask for their money -- pay them first.  If it makes you feel terrible hearing from them, if they treat you badly, if they won't stop bugging you every day... GET RID OF THEM!

In instances like this, you're not paying-off debt, you're getting rid of pests.  Pests that are preventing you (with emotional abuse) from thinking clearly and making MORE money.

So if you pay these dudes off first, you'll find yourself feeling a lot lighter and relaxed.  Now, in that state of mind, go ahead and make some extra money to pay everyone else off.  It'll be     easier and faster.
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Tags: debt, debt repayments

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