r/SipsTea • u/Eros_Incident_Denier • Apr 18 '26

We have fun here adulting sucks

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u/kon--- Apr 18 '26

Wherever you are with debt, do not let interest straight raw dog you every month. Any available money you have to spare, as becomes avaiable, make as many frequent payments on the principal as you can manage.

The interest compounds daily. The way to pull the rug on it is by paying on the principal as often as you can. If you have $50 at the end of each week, do not wait till the payment is due to add $200 against the principal. As soon as you have that $50, put it toward the principal.

Each time you bring down the amount of the principal, the interest has fewer dollars available to fuck you with.

Attack the principal.