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Digging Out

It's often not easy to face, but before you can take steps to get out of debt you first must know how much you owe. Taking wild guesses at how much you owe isn't the best plan because some debts, such as credit cards, include late fees and interest charges. The best route is to lay all your debt down in front of you. Know what you owe. Only then can you make steps to dig out.

There are three important points to remember when you are trying to settle your money problems. You need to:


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