I need to figure out: which debt to pay off first?.
My debts: [LIST each — name, balance, interest rate, minimum payment]
Extra money I can put towards debt: [£AMOUNT/month]
My biggest debt concern: [WHICH ONE and WHY]
Give me a clear strategy:
1. **The order to tackle them** — specific recommendation for my debts
2. **The maths** — total interest saved vs just paying minimums
3. **Month-by-month plan** — exactly where every spare pound goes
4. **Timeline to zero** — realistic projection
5. **What to do if I can't make minimums** — options to explore
6. **How to stay motivated** on a long payoff journey
I need to figure out: which debt to pay off first?.
My debts: [LIST each — name, balance, interest rate, minimum payment]
Extra money I can put towards debt: [£AMOUNT/month]
My biggest debt concern: [WHICH ONE and WHY]
Give me a clear strategy:
1. **The order to tackle them** — specific recommendation for my debts
2. **The maths** — total interest saved vs just paying minimums
3. **Month-by-month plan** — exactly where every spare pound goes
4. **Timeline to zero** — realistic projection
5. **What to do if I can't make minimums** — options to explore
6. **How to stay motivated** on a long payoff journey
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