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If you’re in debt now, the last thing you need is to beat yourself up over it. But it’s important to try to work your way out, especially if you owe money on credit cards.

In the example of having a $10,000 balance on a card with a 30 percent APR and $5,000 on a card with a 15 percent APR, you’ll tackle the $5,000 balance first with the snowball method.