My name is Tamarra and i plan to begin debt free living Jan 2011. I was drowning in debt a few yrs ago and read Dave Ramsey's Total Money Makeover.I used his snowball plan to pay down my debts.However,i did accumulate more cc debt over this past yr. I just got his book again and am well on my way to debt FREE living.It takes much discipline and change of habits and thinking to get to this point.It hasn't been easy but definetly worth it.
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