balance transfer cards to help get no interest for a year. then just chip away at it slowly while it's interest free. but prioritize it over excess expenses so then you have less hanging over your head.

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Mhmm, debt and interest are two sides of the same coin. Think about paying debt off early as earning money back. If you had a 29% interest rate on a savings account you sure as hell would pick up pennies off the side of the road to put in it, so don’t forget to do the opposite when you have a 29% credit card interest rate.

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If you are not paying off your credit card in a full every month, then you are leaving money on the table. Credit card interest rates are usurous.

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