<<I just have a hard time sticking to the plan. The plan was a straightforward snowball. But I have veered off course several times. I know I should pay off my highest interest rate off first, but alloted xtra payment to other debt for various reasons, some rational, others not so much. For example I finally got the $600 city tax refund from 2011. I applied it to a joint chase acct I have with my husband because the refund was in both our names as is the card. At the time, sounded like a reasonable choice, on paper not so much. >> No particular reason why you need to stick to boring rationalism in paying down debt and forego some romatic im[provisation that you find appealing.If you can take satisfraction in paying down debt held jointly by you and your husband, especially with a check made out to both of you, that sounds peachy to me!The most important thing is that emotions are leading you to reduce your debt, rather than increasing it. A dollar or two in interest is a side issues compared to that important point.Seattle Pioneer
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