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Cutting spending is one of the ways to get out of debt. I know that for many consumers this might not be an easy task, but it is definitely worth it. If you have problems with spending to much money, try to track on what you spend it for one week. You will be able to see what things cost you most of your money. You can also think about consumer credit counseling. Many people do not realize that they spend too much money on something they should not be spending. They should notice where they are letting their money go and they should take steps to do something about it.