I have been extremely lucky to have never really gotten in over my head as far as credit card debt goes. Several times in my life, I have had more credit card debt than I would like and the way I was able to pay down my debt was to make it a priority and then just do it! I have also made it my rule to always pay off my credit cards each month and not to carry a balance. If I cannot afford it, I do not buy it!
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