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Are you loaded with credit card debt you’re now struggling to pay down? Do you know how it happened? The obvious answer is, over-spending. But too often, people that aren’t over-spending have large consumer debts because they finance emergency expenses with credit cards. Medical expenses and car repairs are two examples. The only way to avoid this kind of credit card debt is to save and plan for emergencies. You can find smart strategies for both paying down consumer debt and developing an emergency expenses savings plan at http://www.finance.yahoo.com. Avoid sliding back down into debt during your next emergency by getting started today.