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How To get out of debt

One of the most asked questions about personal finance is how to get out of debt. There are many ways to get out of debt.

• Stop going into more debt, your just making it worse on yourself.
• Cut as much spending as you can 
• The money you save every month put it towards your debt you will slowly knock it out.

If you do this you eventully will be out of debt it just not easy to do, you should do

• Make a budget, never overspend try to underspend as much as possible so you can put extra money towrds debt.
• Wright down your debt on paper, wright down how much you owe and the apr. pay the ones with the highest apr off first.

Credit cars with 18% or more are killer, try to pay these off first, pay more then the min. payment. the money your paying is going straight to interest.  You can also call the credit card company and try to get the interest rate lowered, doesn't usually work, but you can call creditors and they can talk to them.

Here is a Calculator to see how long it might take you to pay your debt off.

Credit Card Debt Eliminator Calculator Tool