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I've been trying to keep up with my credit card payments, but the balance just keeps creeping up no matter how much I pay. Between the interest and some unexpected expenses, it feels like I'm running in place. I hate feeling like money is controlling me instead of the other way around.

I’ve tried budgeting more strictly and even cut back on little luxuries, but somehow the debt still feels like a mountain. It’s stressing me out, and I’m worried it might start affecting other parts of my life if I don’t get a handle on it soon.

Has anyone else been in this kind of situation? What helped you start making real progress? Any tips or encouragement would be really appreciated right now.

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