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Without wading through what is apparently a thread full of bickering, the two most important things that helped Bob Dole climb out of the hole he was put in after his divorce were online bill pay and (at that point) Microsoft Money. (Presently, Bob Dole would recommend signing up with mint.com and creditsesame.com ).
Get a handle on where your money is going, adjust your spending accordingly, and use what you learn from that to pay down your debt and pay your bills on time.
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