Pay down your credit card debt today.  Stop making the monthly minimum payment and start using all your extra money to add to that minimum payment .  You can quickly eliminate credit card debt if you commit to paying off your balances each month or saving extra to apply to the already excessive debt.  Stop spending 4 bucks a day at the coffee shop and take that $120 and apply it to your credit card debt each month.  Make a budget and cut back on unnecessary spending.  Used the money saved to pay down your credit card debt each month.

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