No. of Recommendations: 2
Intellectually, it's a no-brainer. Do it. However, make sure that you follow through with this and pay it down rather than have that money become your de facto "emergency fund". Or, you get exhausted from this game and just up your lifestyle rather than re-instate this. The psychological/emotional side of this is very real; do it only if you're confident in the follow-through.

I could not Rec AJ post enough we also lowered our 401K down to 4% the whole time killing CC dept, it was such a psychological boost to add what I was paying to 401K over to Debt Snowball and always make sure that all of it went to the Target, there were times I would pay same CC 5 times in a month. Why? Simply because the more I put towards the Debt Snowball the larger it would grow, me and DW were paid on opposite Fridays so when things got really rolling every paycheck something was going to make the Snowball bigger. I like to think of it as future investment capital. IMHO add the $150 per biweekly right away.

…. Just one more plug for your future Budget/Spend Plan. Having categories on paper would give me a quick look at each area to see if they might be something I could do that month to maybe squeeze a bit more out of that area all to go towards Debt Snowball. There were some definite other benefits but getting started it seems like the whole purpose of my budget was to reward our Debt Snowball with anything we happened to save. The end of all your hard work is you will have a very sizable amount of capital that can really start working for you….
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