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Hey everyone, I've been really stressed out these past few months because my credit card debt keeps creeping up. I never thought I'd get into this much trouble, but between some unexpected car repairs and just trying to keep up with daily expenses, it's gotten out of hand. Right now, I owe around $5,000 spread across two cards, and the interest feels like it’s eating me alive.

I’ve tried cutting back on little things here and there, like eating out less and skipping my daily coffee, but it doesn’t seem to make a big dent. Sometimes I feel like I’m just treading water and not making progress. I’m also confused about whether I should try a balance transfer or just start paying off the highest interest first.

Has anyone been through this kind of situation? How did you manage to get your debt under control? Any tips or encouragement would be really appreciated right now.

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