We are trying very hard to pay off our cc debt.

Is it best to pay off the lower balances first or the ones with the lower interest rates first?

I have a 2 with $100 balances on that I plan on paying right away and then tackling the bigger ones. So how would you go about paying them. Bigger balances or bigger interest rate?

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Well, I like Dave Ramseys thinking. Go for the smallest amount first (whether big interest or smallest) this way you feel the benefits of paying off your debt. This is what you are doing with paying off both of those $100 balances. It feels great to cross those of your list. So move from the smallest amount to the largest amount and snowball those payments on to the next debt. Does that make sense?

I agree. Free up the $ by paying off the smaller ones, then apply all that to the larger ones.

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I actually just paid off our last credit card a few days ago. How great it feels!!! I also started with the lowest amount first and once that's paid off, I put more toward the next card and so on. It feels like you are accomplishing something that way. We also put any additional money we got, like a bonus or tax refund toward our credit card debt and that helped a ton. Not fun, but neither is being in debt. Good luck!

I am with Dave Ramsey's line of thinking...We are paying off the small ones first then snowballing...I like the feeling of paying them off so I don't have a problem applying the extra $$ tothe next biggest one. KWIM? It's a reward in itself to see a zero balance!

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