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My first small step is to get rid of the 1000 CC. It's going to take some serious talking, but I am going to try to convince hubby to use the tax refund to jump start that. After that I want to take that payment and put it on the other card. My dream would be less than two years, we'll have to see once I can put it into action. I have a big challange convincing the other side that budget is not a four letter word.

Oh yeah first, no more using the CC's. Right now this seems kind of hard.
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