text:  but it will make a dent in the five thousand it gets it's that much less you have to pay back it's that much less interest that is accruing and if the next month you find fifty dollars actually i put it in there and you pay down that debt and you work your way back slowly but surely that's what you have to do and you may have to cut some things you don't want to cut out of your personal budget but that's life if you overspend as our government has