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Did you start the new year with a mountain of debt? Don’t feel bad; millions of people are in the same boat. But no matter how much you owe, you can make changes today to get out of debt and build a stronger financial future.

Better Business Bureau and ClearPoint Credit Counseling Solutions are encouraging consumers to be “calculated budgeters” in their efforts to get out of debt. Here are five tips to help you be more calculated in budgeting and debt reduction in the new year:

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