Getting out of debt when you are up to your eye balls in bills may make you feel like it's impossible to be debt free. You have used your credit cards when credit was easy to obtain and your income was in line with your expenses. But now, with incomes coming down or stagnant and credit card companies raising interest rates, those once easy payments are not so easy. If you want to get out out of debt, you must stop charging your purchases and do without your credit cards. If you simply do not have the will power to stop charging, remove them from your wallet and cut them up.
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