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Paying down consumer debt requires financial control, not a budget that only allows for minimum payments. You need to pay more, and the way to afford that is to cut down on what’s called variable spending and apply that money towards paying off debt. Variable spending is what you buy randomly, or not according to a fixed schedule – cups of coffee, lunches out, fresh flowers, and so on. An article at http://www.CNNMoney.com suggests writing down every single cent you spend for an entire month to identify and cut back on variable spending. It’s a great way to start taking control of your finances.