Jade Warshaw

And you feel it.

It's, man, I keep overdrawing my checking account.

What does that mean?

That is a blinking light.

Man, I keep avoiding these conversations with my spouse about getting on a budget.

That is a blinking light.

Don't ignore that.

So the first advice I would give anybody dealing with debt, specifically credit card debt, is remember this, you cannot solve a problem while simultaneously creating it.

So the very, very first thing before you pay a dime on the balance, the first thing that you have to do is decide in your mind, I am not borrowing money anymore.

I am not borrowing money on credit cards anymore because if you are continuing to do that action, you cannot solve that action, right?

So that's the hard part because how many people pay off a credit card and then they're right back in it?

So that is thing number one.

I have to become a person who is not engaging with debt any longer or I will be a rat in a wheel.

And that will lead to the things we talked about earlier will lead to the frustration and the fatigue cycle, which is horrible.

So that's thing one.

And then after that, we've said, OK, I don't borrow money.

Now let's get about the bill.

Now we can get to the dollars and cents part, which is what do I do?

Well, I'm listing all of the debt from smallest to largest.

So if I had several credit cards, I'm listing them by balance, smallest to largest.