Card Debt | Credit

: Focus on paying off the smallest balance first while making minimum payments on others. This provides "quick wins" that build psychological momentum.

: Debt is often considered "too much" if it cannot be repaid within six months without liquidating retirement accounts, or if total monthly obligations exceed 36% of your gross income. credit card debt

Before choosing a strategy, you must define the severity of your debt: : Focus on paying off the smallest balance

Decide between psychological motivation or mathematical efficiency: credit card debt