<prompt> Human: Hello everyone. 38m here and Im finally about to tackle this debt that has been eating away at me. Totally my fault but its been a mountain that I thought was helpless to even try to start climbing. Feeling like I dont have enough to barely make the minimums and using the I just got divorced excuse to buy whatever I want, Ive identified some inappropriate spending habits and used an app to do some number crunching. It looks like by paying 400 extra to my debt and using the snowball method, I can be debt free by 2020. This is only three years. This means that I will be living on 400 per month for spending money. So... Off to rfrugal i go. I make about 4600 per month and I cant believe that because of bad spending I will only get to use 400 of that each month. Its my own fault. However I have a pretty comfortable life with everything I could ever need... Because I already bought it all now I just need to man up and pay for it. is my payoff plan. Thanks for all the helpful posts and motivation... Ive been lurking around here and finally bit the bullet. Here goes nothing!!Assistant: I wish more people would see this image and pay attention to the Minimum pmt. only 17,000 interest and NEVER debt free. What an eye opener.Good luck, OP. Are you currently saving any money or do you have any sort of emergency fund? Id get that established first before tackling this kind of debt. Human: Yes, I saw that on my bills... It says if you only pay the minimum it will take you x years and pay x interest. That was eye opening to me as well.I have a second job that is not steady income but can be as high as 400 extra a month and I plan to just save all of that in a second account and leave my fixed income as my primary budget.  <response>: Minimum payments is one of the root causes of debt. People charge their card, make the minimum and pay almost nothing against the principle. But Im paying the minimum! It should be going down! is the mentality behind it. Its a terrible thing but some people just dont see it. 