The first step for you is to craft a budget. Use Spending Caps to prevent over spending. Financial failure is the result of not making smart decisions about your money. If you can't pay cash for what you want then you have not earned the right to have it. That has been my rule for all of my life. You can never be wealthy if you spend more money than you make.
I would cut up the credit cards and pay cash for everything you buy until all debt is paid in full.
Good luck to you!
Dan Clemons
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