A Practical Plan to Reduce Your Credit Card Balance

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You can chip away at that credit card debt without feeling overwhelmed. Start by listing all your balances and their interest rates, then commit to paying more than the minimum on the highest-rate card first. Even an extra $25 a month makes a difference. Set up automatic payments so you won't forget, and cut back on one small expense, like takeout coffee, to redirect cash toward the balance. This approach feels manageable and keeps you motivated.