Wow so grateful for this enlightenment, truly, many of us don't get to have this lessons until we're in so much debt, I'll be sure to apply these methods, thanks for sharing your experience for the sake of helping others like me.

We followed the debt-snowball method. This is the school of thought that you actually don't try to pay off your most debt first when you own on multiple accounts/cards but start with the smallest.

I didn't know anything about this until I read this post.