Oct 16, 2018: Before you really start digging into that shiny pile of credit cards, create a plan. A willy-nilly approach to anything, especially when it comes to money, could create a huge disaster. So, figure out how you'll spend, how you'll save, and how you'll settle the bill. When it comes to debt, keeping it under control involves a deadline. How much time do you need to pay off or pay down (way down) your balances? The longer you string it out, the more it'll cost.

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