Perhaps have been trying to reduce debt but not have any success. Try starting over again this time doing thing the correct way and staying on track to reduce debt. This episode is overview of what is needed to get debt under control.

Article Links:

https://www.nerdwallet.com/article/finance/tracking-monthly-expenses
https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget

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