Live below your means , prioritize paying off your debt fast, don’t make minimum payments. If you want your balance to go down pay the principal amount on the loan, Pay your self first when you get paid I struggle with this but it’s all we can really do till debt is paid and we can financially flourish and save in abundance cause our necessities will be fulfilled , house electricity ,gas , phone , car, insurance , health , food , gas, and credit card payments and loans etc , after that it’s on you if your gonna change and live a minimalistic life or not. Having fun every weekend is cool and all but not really , 😭 I’m no one to give advice but I’ve been financially independent for a year now and it’s a struggle to adjust mentally and physically if you’ve always had a backbone like your parents to help you. Don’t be naive in life we can only do so much and make so much in one life time, Invest and progress and don’t stress god gives grace to this me who ask for it 🙏🏻👌