Ignore me if you will, but this is a subject that means something to me.
Credit card debt is a pariah that will consume you. And now that interest rates are going to increase past the already absurd rates that credit card companies charge (thank you Federal Reserve!), it's more important than ever to get yourself out of credit card debt if you have any. Large balances are designed to keep you paying high interest charges forever, without ever fully paying off your debt. It's a trap... and it's really tough to get out of once you're caught in it.
I know this, because I've been there.
During my two years in college, I accumulated huge debt. Huge.
I wasn't working very much because of school and travel (and partying), but was spending as if I were a CEO. First it was one credit card. Then it was another. Then it was another. It took *decades* for me to climb out of it. Years of barely being able to make payments. Years of getting nowhere in paying off my balances. Once I realized the thousands of dollars being blown every year on interest, I started focusing on paying off my cards. It was hard. Very hard. I'd buy nothing but the bare minimums I needed to survive. I wore clothes until they fell apart. I'd do any activity on a shoestring budget and limit expenditures any way I could. It took years of this, but eventually I clawed my way out.
And I have made it my mission to pay off my balance every month ever since. Sometimes there are emergencies. Sometimes I haven't saved enough for vacation and it takes a couple months. But I work very hard to not spend money I don't have so I can pay off my balance every time.
There are a lot of ways to get help if you need it. Apps that help you set payment goals. Books on financial planning. Websites with great advice on how to get out of credit card debt. And, if you are really in deep, financial advisors that can come up with a plan and negotiate with banks to get interest lowered... or help you find a loan. But however you mount your attack on credit card debt, it's hugely important that you start immediately. Our own government is working with banks to enslave you with debt, and it's only going to get worse. Much worse. The sacrifices needed to escape their clutches are hard ones to make, but ultimately worth it.
I honestly don't know what the future holds with our Federal Reserve manipulating things the way they have been. They don't even bother hiding it any more. This country is now designed exclusively for the wealthiest among us. That may not be you, but finding freedom amongst the ruins is a goal worth having.
Good luck to you.
Good luck to all of us.
We need it now more than ever.