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Chapter 17. Death, Taxes, and Other Impo... > Getting out of Debt - Pg. 180

Death, Taxes, and Other Important Stuff 180 You're Not Alone Carrying around all the debts I have is like walking around with a 100-pound weight hanging from my neck. I worry about them every day, but I don't do anything about it. I say it's because I don't have the money to pay them off, but I know there must be ways around that. But now the problem has built up so much I feel like I'll never dig myself out of the hole. --Lee M., editor The Symptoms of Debt Procrastination You know you're procrastinating getting out of debt if you find yourself using any of these excuses: "It's too overwhelming to deal with. There's just no hope. I'll never dig myself out of this hole." Strategy:Realize that there's always hope and that the problem is not going to go away, so you have to tackle it. What you have to do is get the problem out of your head, where it's festering into a major worry, and get it on paper. You might find that it isn't as bad as you thought. But even if the numbers do paint a dismal picture, don't let yourself become overwhelmed. A credit counseling service or financial advisor can help you look at your spending habits and work out a strategy for consolidating your debts (so that you have fewer monthly payments to keep track of) or reducing your debts by negotiating with creditors. Just knowing that you have a plan makes it all seem much