Managing over $20,000 in debt can feel overwhelming, but there are creative solutions to help regain financial control. Techniques like freezing credit cards or selling unused items can encourage budgeting and reduce spending. Many Americans overlook the advantages of personal loans, which currently offer favorable interest rates. The article emphasizes the importance of recognizing debt as a problem and trying new strategies, like the credit card freeze method, to effectively tackle high levels of debt while resetting future spending habits.
If you have a significant debt... you must get creative to pay it off.
Using this trick, you will quite literally put your credit cards in a tray of ice... until your debt is reduced or gone completely.
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