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[quote=Anonymous]OP, I sympathize. I have credit card debt that is not increasing but is not going down too quickly either. As you do, I acknowledge having made many dumb decisions. A few things that made a huge difference for me were downgrading my car--I would not buy anything with over a $200 car payment. I was able to pay mine off with an insurance settlement but I know that may not be an option. I had an opportunity to move to a cheaper apartment and I took it, even though it's not as brand new and fancy as my old one. This saved me $175 per month. I had a loan I got stuck with when I got divorced and it was pretty substantial, but I have steadily been paying on it and the end is finally in sight. A lot of it is just patience. I almost feel like I'm serving a jail sentence because I count the months until this big loan is paid off and it's finally down to 18 more months. Once that is paid off, dedicating that money to the rest of my debt is going to make a huge impact. It sucks being patient but just consistently paying and watching the numbers go down is very helpful. My fiancé and I have timelines for when we want to start to look at houses and stuff and it helps me to have a goal to work for and adhere more strictly to a budget. My credit score also went up a few points which was a nice boost and kinda gave me incentive to just keep plugging away. Just cut everything extra that's a money-suck and work hard at it. [/quote]

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