Excessive amounts of debt can cripple you financially. It can prevent you from sustaining a good quality of life. There are many factors that can cause you to have a lot of debt. Making changes to spending habits and increasing your income will help to reduce debt and allow you to start enjoying life and put you on the path toward a healthy financial future.    Increase Your Earning Potential   Do you work hard each day and earn a mediocre paycheck? Going back to school and earning a higher degree can help improve your financial status.   For…

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