It's not as daunting as it might sound—if you follow these tips.
That sum didn’t stack up overnight; she’d been overspending for years on everything from household items, like electronics and clothes, to private-school tuition for two kids. “It finally caught up with me,” she says.calls the “minimum payment trap,” Khalfani-Cox never missed monthly bills but didn’t put a dent in her debt either. “Creditors loved me because I was carrying a balance each month, so they were making a profit.
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