So, here’s my plan.
1) Cut down entertainment budget.
2) Have money left over each month to put into savings.
3) Pay 3-4 dollars over on large bills like student loan, credit card and car.
4) Make two large almost twice as large payments on the large bills.
5) Pay car premimum up front every 6 months to save money.
6) Use money I save to pay off credit card bills.