<prompt> Human: Hello, so like the title says, for those that have accumulated and paid off debts, what was most helpful to you in that endeavor? Im working on about 8 k in credit card debt making 45k a year, and its been super slow going. I keep feeling like Im barely making a dent since two of the cards are charging 24 interest on about 4k between the two  <response>: Budgeting and the hate for being broke. Never worked so hard in my life, but more than worth the effort for the freedom and relief I now have. 