When you're in a mood to spend money on something that will not further your goal of getting out of debt, ask if you want it or need it - and if you don't, ask if you want it badly enough to further the bad feelings created by being in debt. Try to stay away from the stores, and don't look in the windows.

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If you've racked up serious credit card debt, for example, don't ask your aunt or your best friend what to do - they may have no idea. Call a professional for solid, objective advice.

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