Following on from my readings in The Money Tree book, I spotted this post, which covers much of the same ground. Nothing too groundbreaking, but having it all there in black and white certainly kicked started me into action and I have now drawn up a plan to rid myself of "bad" debt. The trick is not to be unrealistic and set yourself a personal debt free day that is acheivable with the surplus income you have each month. It might take longer than you would like, but at least with the plan in place you will not be disheartened when the debt doesn't get paid off after a couple of months.
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