Debt consolidation or working with a debt counselor is the only way to get out of debt. People just telling you to save and to stop spending doesn't work. It took me almost 4 years to get out of debt but through debt consolidation I was able to do so. They will call all of your credit card companies and negotiate lower interest rates on your credit cards (one of my cards went from 27 percent to 11 percent) and they will make it so that you are unable to use them forcing you to live on what you make only. It was the only way that I was going to get out of debt, once you do that you will be able to see how much you can save. I work two jobs and all the money from my second job is directly deposited in my saving account, that way I only use my primary pay check for my everyday expenses. I am 26 now and almost completely out of debt, and am proud of my savings even if it is still small by most standards. Good Luck!!
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