Ask yourself this question: ‘Did I accumulate this debt in the last 12 months?’
For years I thought I was being responsible by paying off all my credit cards with my tax return, only to reload the cards again throughout the next year. The problem: I wasn’t budgeting correctly.
Stop the cycle. Keep the money you earn and stop paying high interest rates.
Realign your budget so you don’t have to use the cards at all!