so i've been juggling credit card debt for a while now and it's been a bit of a journey. i wanted to share some tips that have helped me along the way, and maybe you guys have some ideas too? first off, creating a budget was a game changer. i know it sounds boring, but just having a clear picture of where my money is going each month helped me find areas to cut back and allocate more to paying off the debt. apps like mint or yolt were super handy for this. another thing that worked was prioritizing the debts by interest rate. i focused on the ones with the highest rates first, which actually saved me money in the long run. it's called the avalanche method, and it felt really good to see those high-interest balances shrink. also, i tried calling the credit card companies to negotiate lower interest rates. it was nerve-wracking at first, but you'd be surprised how often they’re open to it, especially if you’ve been a good customer. would love to hear if any of you have tried these or have other strategies that worked. let's help each other out! 😊

Tackling credit card debt can definitely feel like a marathon, but it sounds like you're making some awesome strides! Budgeting truly is a game changer. I remember when I first started using an app to track my spending—it was eye-opening to see where my money was actually going. The avalanche method is a smart move, especially for those pesky high-interest rates. Another strategy you might consider is the snowball method, where you pay off the smallest debts first. It gives a quick win and can be really motivating. Also, if you haven't already, check out balance transfer offers. Sometimes you can snag a 0% APR for a while, which can help you pay down the principal faster. Keep up the great work, and don't hesitate to reach out if you need more tips! 😊