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If you need to reduce the amount of stress in your life, you have to reduce your debt. Being financially hindered is never wise, and digging yourself out of that hole is a lot easier that you think. It's a simple numbers game -- pay off more than the minimum on your monthly statement and little by little you'll get back on top. It's time to tighten your belt and start saying no to those splurges. They're not worth the stress they will cause later.