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Here's my advice. As long as you can make ends meet, don't pay a lot of attention to your money situation. The more carefully you watch it and tend to it with an eye toward making it stretch and fit ... what you're really doing is keeping the thought active in your mind that you don't have enough money.
And sure enough, that's the feedback you will get from the universe. Not enough money.
You DO have enough money. You have a good job and a place to live and the means to eat, have some fun, pay the rent, and pay a little to your debt. Sweat the details less, with the confidence that you've got enough to go around ... and your universe feedback will be enough to go around.
If you master that process, and know you are bountiful ... then you will be.
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More practically, get your credit card debt spread out among a few low interest "promotional" rates. Some of these are for the "life-of-the-loan," which is very advantageous even if you have to pay a hundred dollar transfer fee to get your debt there.
Then pick the highest rate card and pay that down with as much spare cash as you can, while paying only the minimum on the other cards charging less interest. When that first card is down to a balance you can pay half of in one shot, continue to pay half of that card's balance every month until that debt is gone.
Then attack the next highest rate loan in the same way.
Don't worry that your debt will not be gonig solely in one downward direction. Life goes on. Health expenses, automobile expenses, and yes - even the fun of life - often require a dip into your credit debt.
The more credit debt you take on and make payments on, the more companies will send you offers for credit. This is the key to sifting out those advantageous promotional offers that come along only once in a while.
Don't freak out that you have credit card debt. It's the American Way!
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