The offense is a microaggression if it refers to anything that might, with some imagination, resemble racism, sexism or culturalism. Itâs usually an accident caused by a failure to read minds. Other thoughts:
The debt avalanche is  the practice of ranking debts by interest rate and paying each off by starting with the highest-interest debt first. This approach may help you save the most money overall, and is often recommended by financial advisers as the best way to pay off debt. The plus is, of course, paying less interest, says Beverly Harzog, a credit and consumer expert and author of The Debt Escape Plan.
1. Pay the most expensive balance first. If you want to get out of debt as cheaply as possible, list your debts going from the highest interest rate to lowest. Make the minimum monthly payment on each, and throw all your extra cash at the highest-interest debt. This is sometimes called the debt avalanche method of repayment.