If you're in debt, you have to get out. But remember, a plan is only as good as your ability to stick with it. Just like diets, all of them work. But which diet will you stick with? No matter how effective the plan is in theory, if the regimen is outlandish and impractical, you will not stick with it.

When evaluating a get-out-of-debt plan, you should look for one with these characteristics:

-- It is easy to prepare.

-- It is simple to understand.

-- It can be red ...

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