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Still in debt from the holidays? Here’s how to dig out

1. Stop kicking yourself. You’re not the first person to get irrationally exuberant during the holidays, and lots of people before you have managed to pick themselves up and set things straight. Know that you’re not alone and that others have endured similar challenges can help pull you out of it.

2. Prioritize and pay it down. If you find yourself staring down a heavy balance on one or more credit cards, the monthly finance charges might be painful enough. But if you’re only paying those each billing cycle, you’re just treading water. Try to pay down more than just the minimum every month or transfer and consolidate the debt to a single, low-interest credit card that will let you minimize paying interest and maximize paying down the principal debt. Once you’ve settled on a monthly payment you can manage, map out a schedule that leads steadily to a zero balance.

3. Set a different goal.

Presented in collaboration with Chase

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Coin. Because you have too much shit in your wallet.

I made this video because I believed. And now so does the rest of the world, apparently. Feels good, man.

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