Carrying high-interest card balances but can’t see an obvious amount to put toward them each month? This digital workbook helps you map your balances, interest rates, minimum payments, due dates, income, and expenses—then look for a manageable extra payment you can repeat without relying on one-time cuts or unrealistic deprivation. Work through a practical plan for directing that payment toward your card debt while accounting for ongoing spending, so new charges don’t quietly undo your progress. The goal is a clear next step you can put into action and revisit as your finances change—not a perfect budget or an overnight fix.