by Hope
I am so excited to being on my way to getting to really tear into my debt. But I do believe I need to prioritize paying back my personal loans first, then the credit cards. However, I’ve found a TikTok creator (not an affiliate link, just a link to the TikTok creator’s profile) that gave me a different way of looking at credit card debt. One that I enjoy.
And I thought I would try out her perspective on my existing credit card debt. Now she’s all about paying off the debt, but also takes into consideration the method and how it affects your credit score. (I used to be very concerned about my credit score, but since I have a house and a car and plenty of credit card debt, I don’t really think about it very often.)
I think her method fascinates me because it’s kind of like a game, and we all know I love money games and keeping this journey interesting.
Credit Card by Percentage
| Card | Limit | 89% | 69% | 49% | 29% | 9% | February, 2024 Total |
|---|---|---|---|---|---|---|---|
| CC - Wander | $1,650 | $1,451 | $1.139 | $809 | $473 | $149 | $1,735 |
| CC - USAA | $5,000 | $4,450 | $3,450 | $2,450 | $1,450 | $450 | $4,966 |
| CC - Amazon | $1,500 | $1,335 | $1,035 | $735 | $435 | $135 | $1,481 |
| CC - Sams | $1,000 | $890 | $690 | $490 | $290 | $90 | $1,133 |
| CC - Frontier | $3,700 | $3,293 | $2,553 | $1,813 | $1,073 | $333 | $3,676 |
| CC - Apple | $500 | Paid off every month | |||||
| Total CC Debt | $11,419 | $8,867 | $6,297 | $3,721 | $1,157 | $11,971 | |
Let’s Talk About It
My take away from this is that instead of focusing on paying off one card at a time. Perhaps I should focus on paying down every one of my credit cards to each percentage level. Focus on one, then another until they are all at the next lowest level, and then start the cycle again.
I guess the question I have to ask myself is would that be as motivating as just paying one off at a time? Seeing them all go down pretty steadily versus just one at a time? And does one way versus the other make much financial difference?
What are your thoughts?

Hope is a resourceful, solutions-driven online business manager with over two decades of experience helping clients streamline operations, manage projects, and grow their businesses through digital marketing and technology.
But life has a way of rewriting your plans.
A year ago, Hope made the decision to move in with her aging parents full time – a season she wouldn’t trade, even as it came with its own financial and emotional weight. Earlier this year, she lost her mother, and is now walking the tender, disorienting path of grief while learning what “forward” looks like from here.
Hope came to the Blogging Away Debt community in 2015 as a single mom raising five foster and adoptive children. She’s written through job changes, financial setbacks, and the bittersweet transition to an empty nest. Her kids are finding their footing in the world now – and so is she.
Rooted in faith and fueled by the same perseverance she’s brought to every hard season, Hope is ready to face her finances with fresh eyes and an honest pen. She believes that clarity, courage, and community can change the trajectory of anyone’s story including her own.
She lives in Austin, TX with her dad, loves adventures with her dog Addie, and is figuring out, one step at a time, what this next chapter is meant to be.

