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Introduction

Introduction

If you’re like most Americans today, you probably own one or more credit cards. Depending on your situation, you might have the cards charged to the maximum credit limit.

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Emergency Fund

Introduction 2

If you have debt instead of savings, when disasters strike, you will end-up in a grave situation. The kind of disaster I am referring to is the loss of a job, the reduction in pay, a serious illness, a car breaking down, etc.

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Ladder

Climbing the ladder

If you have debt instead of savings, when disasters strike, you will end-up in a grave situation. The kind of disaster I am referring to is the loss of a job, the reduction in pay, a serious illness, a car breaking down, etc.

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The Commitment

The Commitment

Make a commitment to yourself to get out of debt. If you are married, both of you need to make the commitment to get out and stay out of debt.

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Know Your Debt

Know Your Total Debt

This next rung is to know how much you owe.  You need to gather all of your current month’s bills. You might have been throwing them in a drawer, maybe even without opening them.

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Organize Your Debt

Organize Your Debts

Organize your debts. You’re probably asking yourself, “What the heck does that mean?” It means you need to sort your debt from lowest to highest. This is a critical step, as it will become one of your most important items later on.

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