If you really do struggle with debt, then the most important thing you can do is DON’T TAKE OUT ANY MORE DEBT. Cut up your credit cards immediately. As you pay each one off, cancel it. Don’t equivocate. You don’t need them. Nobody needs a credit card. And if you’ve had problems with them in the past, the worst thing you can do is hold onto them. It’s like an alcoholic keeping a couple beers in the fridge.
— J.D., blogger @ Get Rich Slowly: “Pep Talk”
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