Good advice about not transferring to a card that already has a balance. I found the BT to be very helpful for me. The most important thing is to stop spending and it seems as though you are going in the right direction but eating out 3 times a weekend while having 35K debt absurd. You can and should cut that down to maybe once a month (just to keep yourself sane) and put every extra penny towards your debt. Think abut how much you are spending on that and add it up over a year's time...it is probably a whole lot of money. If your card is 18% interest and instead of paying extra towards it, you go out to dinner...that dinner is costing you 18% more than you think it is.What are your interest rates like?
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