I think I have developed a plan of action to get my debt down. I don't expect to get it all done right away... but I'm working on my goals and my plan.
So the basic gist of this would be to get my collection account (currently about $3600) paid off ASAP. Why? Because it's $200 per month. That $200 could go a LONG ways to getting other debts paid off much quicker than just putting a "little" more than minimum on them each month.
Taxes and goalsharing will play a large part in getting that paid off. By the time I get my taxes and goalsharing money, it should be around $3000. My guesstimate of goalsharing would be around $2k or very close to it. Taxes... I really don't know. I'd like to think it would be between $1000 and $1500, but I really have no clue yet.
Anyway, that should get me REALLY close to paying that collection account off. Then that $200 goes into the debt with the highest interest rate to get rid of that. And then that payment + the $200 will go into the next highest interest rate... and so on.
ETA to everything paid off? Ha... I don't know. I would like to have made a LOT of progress by the end of the year. I just don't think I'll get my $9k paid off in a year. 🙂
And the sooner my balances come down, the sooner my credit score goes up and the sooner I can save for and buy a house!