I found myself in debt when it was too late. I will be trying this method to the best of my ability. I have gone back to work recently, so all of that "extra" money will go towards debt. My main focuses now are to not let my utilities get behind. I have never been late with rent for over 5 years, knock on wood, and don't plan on being. My other bills were never as important. Now they are and I am trying to stay afloat. When I get all my cards on the table, I will begin to lower debt.
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