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I was trapped in a vicious cycle and kept using the cards even though I knew I couldn’t keep up on all of the payments.

Something had to give because I couldn’t take the stress of being in debt and not being able to make payments.

Here is Tiffany’s story: I was 23 and just starting out in the professional world.

I was also a single mom with a baby working full time and living paycheck to paycheck.

Although it was a little scary knowing that my cards would be closed, this turned out to be the best part of the plan…because I couldn’t use them.