If you have debt the first thing you need to do is stop using your credit cards. How can you get out of debt, if you continue to charge on your credit cards? If you cannot keep from using your credit cards, cut them up. In the end, you will be glad you went to this length. For some people this step is actually the most difficult, but learning to live within your means and on cash is a very valuable skill. Once you conquer this, the chance of you having debt again is small. Many people swear by the envelop system.

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