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I never thought I’d let my credit card balances get so high, but here I am, juggling over $8,000 spread across three different cards. Each month, I pay the minimum, but it feels like I’m just treading water. The interest keeps piling up, and it’s honestly exhausting. I’ve tried budgeting apps and cutting back on everything non-essential, but there always seems to be some unexpected expense that throws me off. It’s starting to affect my sleep and my mood, and I’m worried this will keep snowballing. I’m tempted to consolidate the debt or maybe talk to a credit counselor, but I’m not sure what the best first step is. Has anyone else been stuck in this kind of situation? What helped you get out of it or at least feel less overwhelmed? Any tips or just some reassurance would mean a lot right now.

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