Paying down debt is hard. I don't want to go into all the details about how and
why to pay down debt because other
[http://www.daveramsey.com/blog/how-the-debt-snowball-method-works] people
[http://www.iwillteachyoutoberich.com/blog/paying-off-credit-card-debt-quicker/]
have
[http://www.lifehack.org/articles/money/how-pay-off-debt-fast-using-the-stack-method.html]
already done