If you want to follow the ramsey baby steps:
1) cut all your credit cards, because they are anti-debt and do not want you to incur additional debt while paying off existing debt.
2) have 1k emergency fund.
3) after paying all the necessities (food, utilities), all other money go to paying your debt using the snowball method (smallest total, regardless of interest rate), which in this case is the 5k loan, then 10k then 15k. put all you have into the smallest, while paying the minimum on the others. you will withdraw all savings/investment to get rid of the debt. you don't put money on ASB to get 6% when you have CC debt at 18%.
btw, you would also need to cut down on the lifestyle - no holiday trips, no eating out, etc - they would say the only time you are in a restaurant is if you are working there.
4) once you have paid off all debt, then set 6 months emergency fund
5) then start investing your money.

This post has been edited by th3.h04rd3r: Jun 13 2025, 01:33 AM