9. Pay more than the minimum and focus on the most expensive debt first
You will never be debt free if you only pay the minimum balance. Consider your budget and make adjustments so that you can afford to pay an extra 20 or 30 percent on each monthly payment. If you can, take it a step further by making weekly payments, or double your monthly payment.
If you have more than one credit card, sort them by interest rates and balances. As you’re paying off your balances, make the cards with the higher rates and most debt the priority.
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