I want to get out of credit card debt. About 2800 in credit card debt. I want trade in my car but I just purchased the car in May 2010. I want to trade it in around 2011 and 2012 for a cheaper and smaller car. I go to school and work. I live at home. I have a 401 k plan. I want to get out of debt and save. I want to sell my HTC evo and get a cheaper phone. I want to start living simple. Please give your advice.
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