<prompt> Human: Hi All -Posting from a new account for anonymity. I am embarrassed to rack up the credit card debt that I have, but I am on track to pay it all off in the next year or so. Essentially, when I lost my last job, I didnt budget properly and still lived the same lifestyle, leading to 20k in debt. I have a new job right now paying 78k a year, with a couple side hustles bringing in around 1500 a month.All of my debts were on no interest promos up until this month.My debt right now -AMEX - 15,382 13.74 APRCiti Card - 3,128 15.99 APRDiscover - 2,804 20.74 APRIve read a lot on the Internet saying to do the snowball method by paying off the smaller balances first...but wouldnt I want to pay off the higher balance first since it will inherently cause me higher debt?Are there any good calculators to figure out what is best to do to incur the least possible additional debt?Thank you!  <response>: You can use unbury.me to calculate your debt and what method would work best for you. However, with your income you could easily pay off the Discover AND Citi Card in 2-3 months if you penny pinch. That way youre freeing up the extra money from those minimum payments permanently to tackle the AMEX. 