Every day, I get messages from readers who are looking for encouragement and solutions for their financial situations. It might be a never-changing credit card balance that has a reader down in the dumps. Or a letter might arrive from someone who's made tremendous progress with repaying debt but then started down that terrible path again.

Perhaps today that person is you. Do you feel as if the burden you carry is far too heavy to bear? Do you feel like a complete loser because while everyone ...

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