Dear Mary: I read your book "Debt-Proof Living" and was excited to implement your Rapid Debt-Repayment Plan. We did well the first month, but we have fallen off the wagon and are behind on payments again. Even though I feel discouraged, we have not tapped our credit cards. I know that we will have to start all over again. Do you have any wise words of advice? — Teresa G., California

Dear Teresa: Want to know how many times I fell off and had to get back up on that wagon ...

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