Today, more than ever, we struggle to avoid a mountain of debt.  How do we do it?  How do we keep ourselves out from under the thumb of the credit card companies?  The bottom line is that to get out of debt you need to A) consolidate your debt at the best possible rate, and then B) pay down that debt with cunning financial management.

Financial gurus like Susie Orman tell us what we should or should not do.   There are all kind of ads that offer debt consolidation.   Some cost a lot of money while others are very affordable.  For some, seeking the advice of a professional who understands the debt consolidation rate is the answer.  For others, they’ll take the bull by the horns and figure it out themselves.

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