If you’re struggling with money, hiding it helps no one. Karina built a product around it.
Approximately $480 compared to a minimum‑payment plan.
| Month | Payment to Card B | Payment to Card A | Payment to Loan | Remaining Balance | |-------|-------------------|-------------------|-----------------|-------------------| | 1‑2 | $800 (full) – cleared | $300 | $200 | Card A: $900; Loan: $1,800 | | 3‑6 | — | $500 each month | $300 each month | Card A: $0 (cleared after month 5); Loan: $600 | | 7‑12 | — | — | $600 (final payoff) | All debts cleared by month 11 |
Karina used the 50/30/20 rule as a starting point, then refined it with a zero‑based budgeting app:
Debt4k — Karina King
If you’re struggling with money, hiding it helps no one. Karina built a product around it.
Approximately $480 compared to a minimum‑payment plan. debt4k karina king
| Month | Payment to Card B | Payment to Card A | Payment to Loan | Remaining Balance | |-------|-------------------|-------------------|-----------------|-------------------| | 1‑2 | $800 (full) – cleared | $300 | $200 | Card A: $900; Loan: $1,800 | | 3‑6 | — | $500 each month | $300 each month | Card A: $0 (cleared after month 5); Loan: $600 | | 7‑12 | — | — | $600 (final payoff) | All debts cleared by month 11 | If you’re struggling with money, hiding it helps no one
Karina used the 50/30/20 rule as a starting point, then refined it with a zero‑based budgeting app: If you’re struggling with money