It is hard to pay off debt. Our better natures are constantly at war with our impulsive desires. It's hard to feel in control and it's all too easy to fall back into the habits that got us into trouble in the first place. Loren Baxter, Director of User Experience at ReadyForZero says that when they spoke to friends facing debt problems, there were three basic strategies in play: 1) Ignoring it (calling this a "strategy" is generous). 2) Making random payments over the minimum. 3) Creating and maintaining a complicated spreadsheet.
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