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I've always tried to be careful with money, but the last few months have been rough. A few unexpected car repairs and some medical bills popped up, and now my credit cards are maxed out. It feels like no matter how much I pay off, the interest just keeps piling on.

I've started budgeting more strictly and even picked up some extra shifts, but the stress is really getting to me. I’m worried about how long it’ll take to get back on track, and if I’m missing any better options to manage this debt.

Has anyone else been in this spot? How did you handle the pressure and start chipping away at your balances without feeling completely overwhelmed?

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