If you have credit card debt, you’re certainly not alone. According to the American Bankers Association, 43.6% of credit card account holders carry a monthly balance. And it’s often not just a small sum, either. In 2016, data from the U.S. Federal Reserve showed that the average U.S. household with credit card debt owed $16,425.

Whether you owe a lot or a little, you’ll need a clear plan of action to pay off credit card debt. While the particulars will of course vary for every individual, one thing is clear: trying to should start with creating a budget. By making a budget, you can take stock of your spending habits, cut down on unnecessary expenses and make room for credit card payments.

Figuring out how to pay off credit card debt doesn’t need to be a daunting process. Use the tips in this video to get started on the path to debt-free living, and turn to the Discover Credit Resource Center for more guides to help you along the way. Learn about everything from the importance of making credit card minimum payments to sorting out how to save money with a high cost of living.

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