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Digging Out of Debt: Baby Steps That Lead to a Big Payoff

If you’re one of the countless Americans who is buried in debt, you’re not alone. But don’t give up hope – you can dig your way out of debt and reclaim control over your finances – and your life.Being buried in debt not only has a negative effect on your bank account, it also leads to a constant feeling of stress and is detrimental to your overall well-being. It probably took you awhile to get to this point, and it will probably take you some time to get out of it – but it’s well worth it, both financially and emotionally. The ‘Snowball’ PlanIt’s not instant and it’s not glamorous, but working your way out of debt can be very gratifying. There are basically three steps.

This ‘snowball’ method takes time and dedication, but it doesn’t take long to start seeing results. If you stick with it, it will work. And the important thing is to not put it off a day longer – start now.Once you start seeing results, and even once you’ve reached your debt reduction goal, it’s important to not return to the old spending habits that got you into trouble in the first place. Basically, you’ll need to make a complete lifestyle change. Trust me, being free from the constant weight of unmanageable debt is a much better payoff than the instant gratification of a new television or exotic trip.

Heather L. Clark is a Web writer and researcher based in Omaha, NE. She keeps in touch with family and friends with funny printable cards, free New Years cards and free kids birthday cards.
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