You don’t need to go this far to curb excess spending. Unfreeze that credit card and warm up to our debt payoff tool instead. https://www.prudential.com/financial-education/debt-payoff-calculator [Video copy] Bad Advice. Good Advice. Today’s topic: Credit cards and blocks of ice. Bad Advice: Freeze your credit card in an oddly large ice block.* *People actually do this. Good Advice: Freeze needless spending, then pay down debt. Review credit card bills for unused subscriptions and cancel them; t

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