Expect the best. Prepare for the worst. Capitalize on what comes.
–Zig Ziglar.
What should you do first save or pay off debt? First I recommend to make an emergency fund that can cover your basic living expenses for 3-6 months in case the economy crashes and/or a pandemic that forces you to stay home.
Once you have established a cushion for yourself and/or family then you can start doubling down on the debt. First thing you should definitely pay off as quickly as possible is any credit card debt. When your credit card debt is gone I recommend paying off smaller debts, for example, bar tabs, owing money to friends, neighbors, etc. Then tackle debts like student loans and car loans. Don’t worry about paying off you house as fast as possible unless you think you can this option depends on how much money you make.
Try saving where you think you could save, for instance, stop using a rental modem/router and buy your own modem/router that would pay for itself within a year because each year that you have the rental it will cost more money per month.
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