re: Say you were to "give up" and go with debt consolidation?

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Beer and margaritas. And all the food involved.

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Just as an example, wife and I paid off ~$8,000 in CC debt in 7 months right after we got married by drastically cutting down on going out to eat. Took a lot of discipline, but it's doable. We learned to cook together, and cook well, in the process, so it was a win-win.