@Menaiya I totally understand and agree! I'm in my early 40s and am *weeks away* from finally paying off credit cards after about 20 years of having credit card debt. It's tough, but it can be done!
My family used a couple of Dave Ramsay's strategies, including the Snowball Method. This didn't make sense to me mathematically, but it really helped us FEEL like progress was being made, which motivated us to continue doing what we were doing.
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