You might have heard the old adage, How do you eat an elephant? Well, dear reader, the answer is "one bite at a time". And so it goes with munching a budget pachyderm.

I'm willing to wager that you didn't get into debt overnight, but rather in small chunks over a period of time, perhaps even years. You might not have even realized how big your "elephant" was getting, until it slapped you in the face.

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