When you have a large credit card debt, it hinders your ability to save for the future, a rainy day, your retirement, or any of your other financial goals. Large debt means larger interest payments, and it becomes a bigger financial burden just to pay off interest, not to mention shrinking your debt. If you’re struggling just to stay where you are and not go further into debt, you’re not making progress on your financial goals, and it’s time for something to change. In 2016, the average Canadian was carrying $21,000 in debt, not including mortgage debt, according to Licensed…