Debt is hard to escape!

When trying to getting out of debt most people go about it in the total wrong way. They think that by adding a little bit to their monthly minimum payments that this will in turn get them out of debt quicker, but the fact of the matter is that minimum payments are structured to take people over 30 years to pay off so even by adding a little bit to that number it will still take literally decades.  Plus you will be losing tens of thousands over the long run through high interest payments and this is such a horrible thing when you spend so much to put in their pockets.