Okay, so now that I have determined WHY I am debt, now I need to figure out HOW to get out of debt! I know I need to quit spending so that is what I am going to focus on today. How can I start saving my money every day?

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Okay, so I took a long, painful look at my finances.  Where had I accumulated so much debt? Our home is almost paid for, I drive a modest car, I don’t dress in designer clothes.  How did this happen? Where has all the money – and piece of mind – gone?

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