![](https://financesolutionsdaily.com/wp-content/uploads/2019/03/Holiday-Gift-Shopping-with-Personal-Loans-or-Credit-Cards-e1552252686236.png)
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Credit card debt is a massive pain, and during the holidays it can feel especially heavy. But getting that $0 balance isn’t impossible, and getting it might be the best holiday gift you can give yourself. Here are a few steps to try and do so.
- Set a budget and stick to it.
- Negotiate to lower payments.
- Find new credit cards with lower interest rates.
- Keep an eye out for fees.
- Limit gift-giving.
Image via CreditReady.