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Every person that has accumulated a lot of debt dreams of the day when he or she has paid it in full. If you are having trouble with managing your money and you feel like you have to make more payments during a month than you can actually handle, then stop worrying or dreaming of better days and take action. Before you decide on a method to pay off your debt, first you will need to know the exact sum that you owe. Therefore, take a pen and paper and write down every expense that you are normally make during...