For those that are in debt, Lowrey advocates for a "debt attack plan." This could either be a, in which a debtor pays down their debts in order of the smallest balance to largest balance, or aapproach in which the borrower pays down their debts in order of highest interest rate to lowest.
It all depends on what motivates you personally. The important thing is that you're disciplined in your approach. where every single month you track the balances of all of your debts that you're aiming to pay down, because then you can see the progress that you've made." The emotional and psychological effects that debt have on an individual is something that Lowry likes to harp on. Mastering your way of thinking about your obligations in a proactive manner is just as important as paying down the actual balances. It's an aspect of personal finance that she thinks is crucial for staying on the right path, and an important message that tends to get left behind.on the fact that it exists," she said. "You just have to forgive yourself and move on.
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