Getting rid of credit card debt is more about changing your spending habits than just paying it off. This is because if suddenly you got a bunch of cash to pay it off, most will often just spend the same or even more since they are suddenly out of debt.

Let me convince you that getting out of debt is important. Let me give you pointers to remind you how painful and wasteful it is to keep the debt. Simply getting rid of it means MORE money for you, not less.

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