The key to getting out of debt for good is to have a positive cash flow and stop digging yourself deeper into debt. If you follow my previous step to earn more and spend less, you should have, or are on your way toward a positive cash flow at this point. The third step in the Financial Success Plan series will be looking at how you can get out of debt for good...

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Explanation of Dave Ramsey's Debt Snowball with illustration and links to related debt reduction resources

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Is there really a correct way to pay off your debt? I say, no. It's the goal that's correct. How you get there is up to you.

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Some people love the debt snowball. Others think it encourages bad math. Here's another opinion on the matter.

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