Here are five practical strategies to pay off a credit card faster and save on interest: 1. The Avalanche Method (Mathematically Fastest) How it works: Pay minimums on all cards, and put any extra money toward the card with the highest interest rate first. Why it works: You reduce the most expensive debt first, saving the most money in interest over time. Best for: People focused on minimizing total interest paid. 2. The Snowball Method (Psychologically Powerful) How it works: Pay minimums on all cards, and put extra money toward the card with the smallest balance first. Why it works: You get quick wins by eliminating accounts faster, which builds momentum. Best for: Anyone who needs motivation and visible progress. 3. Transfer to a 0% APR Balance Card How it works: Move your balance to a credit card offering a 0% introductory APR for 12–21 months. Why it works: You can pay down principal without interest piling up. Watch for: Balanc...
Here are five practical ways AI can help in almost any average desk job, whether you're in ops, marketing, finance, HR, admin, or product: 1. Writing & Communication (Faster, Clearer, Better) Draft emails (formal, persuasive, follow-ups) Summarize long threads or documents Rewrite messy notes into professional updates Adjust tone (executive-ready, friendly, concise) Create meeting agendas and recaps 2. Research & Information Gathering Summarize reports, PDFs, or web content Compare tools/vendors Extract key points from long documents Generate competitive analysis drafts Explain complex topics quickly 3. Data Analysis & Reporting (Even Without Advanced Skills) Explain spreadsheet formulas Generate Excel/Sheets formulas Interpret data trends Draft insights from raw numbers Create first-pass reports from data 4. Workflow Automation & Process Improvement Suggest process optimizations Draft SOPs Create templates Build automation scripts Identify repetitive tasks worth au...