I have one credit card paid off. Now I'll be able to make double payments on the other card. I pay my mom and brother each 150. I really want to pay my brother off. But I need to save for a car. He will be paid off in October at my current rate. Mom in August.

Therapist says I don't technically owe mom but I agreed to repay her the scam money she loaned me. My credit card will be paid off in 4 months. I than could pay my brother more. I quit using my credit cards because I have a little bit of savings I can dig into. Having a savings plan is helpful.

I like this plan. When my brother is paid off more money can go to savings. I may use my tax return to pay him sooner. Still deciding.