Take it from Jeffrey Schwartz: Making minimum payments means decades of debt.

The personal finance expert has a message for Canadians looking to smarten up post-holiday shopping: always pay off your credit card bill in full, when possible.

While making the smallest payment on a credit card statement seems tempting, you could find yourself digging yourself into a debt hole you might struggle to climb out of.

For more on the pitfalls of minimum payments, check out the latest episode of "2 Minutes To Transform".

"2 Minutes To Transform" is your guide to small but meaningful changes for a better you. Experts share their tips to transform your life at home, in the office or while you're on the go -- all in under two minutes.

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