Recent reports confirm that credit card debt among Americans remains on the rise. Not only are more of us dipping into debt, but we're also falling further behind than ever, with the average debtor owing nearly $15,000.   Concerns are real and there's a growing sense of urgency to tackle the problem, with the best solutions revolving around getting organized, making a personal budget, and paying down those bloated balances.   The only problem is: Where does the extra money come from month after month?   By taking a thorough approach, committing to change, and staying true, it's possible for the majority of us to trim our budgets and erase debt. If you're struggling to get started, you may not realize that there are a number of solutions that may work for … [Read more...]