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I've been feeling completely overwhelmed lately with my credit card debt. It’s around $8,000 spread over a few cards, and the interest just keeps piling up. I try to make more than the minimum payment, but it feels like I'm barely making a dent. On top of that, I’m juggling monthly bills and trying to save a little for emergencies, but it’s tough to balance everything.

I’ve looked into debt snowball and avalanche methods, but honestly, the math confuses me, and I’m not sure which one would actually work better for me. I’m worried I might just keep going in circles without real progress. It’s stressful waking up every day feeling like money is just slipping through my fingers.

Has anyone been in a similar spot and found a way out that actually worked? How did you stay motivated when it felt like the debt was never-ending?

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