when paying down debt it is to

pay as much as possible toward the debt at the beginning of the month
pay as much as possible toward the debt at the end of the month
pay part toward the debt and part toward a savings account at the beginning of the month
pay part toward the debt and part toward a savings account at the end of the month

It is best to pay as much as possible toward the debt at the beginning of the month. This will help reduce the overall balance and interest costs over time. It is important to prioritize paying off debt before focusing on saving money in order to avoid accumulating more debt through interest charges.