Better Habits Daily

An extra $100 a month on an $8,500 card at 21.9% (paying $250): 21 months sooner and $2,061 less interest. One subscription, one takeout night, one sold item.

Calculator: https://debtpayofftracker.app/tools/interest-saved-calculator/

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$5,000 on a 22% card. Paying only the minimum (interest + 1%): about 18.5 years and ~$7,726 interest. A fixed $200 a month: 34 months and ~$1,750. Minimums shrink as your balance does. Pick a fixed number and keep it.
Free calculator: https://debtpayofftracker.app/tools/minimum-payment-trap-calculator/
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