Pay off the highest interest rate first. This saves the most money.
Before any non-essential purchase, wait 48 hours. Most "wants" lose their appeal after two days, and that saved money can go directly to your balance. debt4k
If your current income doesn't allow for an extra $300 a month, you have to look at the "big wins" rather than just cutting out coffee. Pay off the highest interest rate first
If the $4,000 is spread across multiple small cards, pay the smallest balance first for a psychological win. debt4k
Direct 100% of "found money" to the debt. A single $1,200 tax refund wipes out 30% of your $4k debt instantly.