[Harper Taylor]

Ugh, been there, or close to it. Minimum payments are a trap, the balance just sits there no matter what you do.

Honestly the thing that helped most was just calling the banks. I thought they’d laugh at me but a couple of them dropped the rate a bit and it made the payment less painful. Call before you miss one tho, they’re way nicer about it.

Then I put everything extra on one card at a time and stopped using them completely. Cut a bunch of stuff too, subscriptions, eating out, all that. Boring but it works.

There are also nonprofit credit counseling places that can set up a plan for you. Just be careful, anyone promising to wipe out your debt fast is probably a scam.

It takes a while, no sugarcoating it, but it does go down. Hang in there 💛

(not a financial advisor btw, just what worked for me)

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