Plugging along, paying off minimums, may give the illusion of accomplishment, but debtors may find that they can do more each month to reduce and eliminate debt if they look at their payment history. Certain factors may make consistent monthly payment insufficient to improve finances. The interest rates on credit cards may be rising right under debtor’s noses, reducing the amount of money that goes toward their principal. Measures to reprioritize, consolidate, and redistribute payments may go a long way towards cracking into the debt pile. Credit-Yogi would like to offer some background on debt management and introduce their services: