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Originally Posted by Cloud
1) You can try a credit counseling service. The best is a non-profit one, like the ones the YMCA (YWCA?) has. They will counsel you for free, and then if you sign up with them, they take a small percentage.
2) alternatively, you can do it yourself, using a financial plan found in books. One to try is Dave Ramsey. His scheme is kind of the opposite of most people's, in terms of which credit card to pay off, but I like the entire plan he has. One caveat--he's very "Christian" -- but I manage to ignore that. If you don't want to go with him, go pick out a book by another financial guru. Just pick one plan and stick with it.
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I went through his book 4 times, and I agree with him being overly Christian/Preachy, but I too can look past it because his advice is very sound, intelligent, and practical. It simply works.
I like it because he is very clear about everything. He doesn't leave you wondering. There's nothing vague. He states step-by-step exactly how to get out of debt and to become financially independent.
I've started listening to his podcasts and I enjoy them. It's a shame he's on the same station as idiots like Michael Savage or Sean Hannity.