How to Break the Cycle
If your balance feels heavier than usual this year, you’re not alone — but you’re also not powerless. Here’s a grounded, human approach to getting ahead again:
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List your debts and minimum payments.
Don’t hide from the numbers. Seeing them clearly helps you build a plan that actually works. -
Choose your strategy.
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Snowball method: Start small, build momentum.
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Avalanche method: Start big, save on interest.
Both work — just pick one and commit.
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Free up cash flow.
Cancel the subscriptions you forgot about. Sell the stuff you don’t use. Or try a small side hustle to earn extra money you can put toward payments. -
Create a mini emergency fund.
Just $1,000 set aside can stop you from reaching for your card the next time life happens. -
Use your credit card intentionally.
Treat it like a short-term loan, not a long-term crutch. Pay it off before interest hits. -
Reward yourself for progress.
Every payment is a small act of freedom. Track your wins — visually, emotionally, or even with a small treat when a card hits zero.
