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Commentary: How to recover from holiday debt The most important step to get out of debt is to stop the credit card insanity. Only use your credit card for expenses you know you can pay off at the end of the month. If you cannot do this, put your credit cards, all copies, in a locked desk drawer until you pay them off. Use credit cards only to make purchases you can pay from month to month, or for large ticket items you have saved for.
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