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A debt cleanse is about specificity and buckling down on what you actually owe. (Your J.Crew balance is $3,467.18, btw.) To start, you need to take …

New year, new attempt at whittling down all that credit card debt. (Damn you, in-store card with the sky-high APR!) But where the heck should you start, especially when debt comes in so many ...

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