It’s a frightening reality about the state of American consumer debt that at the end of 2024, the Federal Reserve Bank of St.

She would spend 30 minutes each week looking at her credit card statement and updating a spreadsheet which contained her regular and recurring expenses and the value of her debt. Tracking her ...

That average of $3,100 might let you pay down the last of your credit card debt, put some money in your ... also noted that “there’s a spreadsheet answer and an emotional answer.” ...