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In December, Nerdwallet released its annual report on American Household Credit Card Debt. According to the study, the average household has $132,529 in debt. And for households that carry credit card debt, it costs them about $1,300 a year in interest. It’s time to take action and create a plan so that you can be debt free by the end of 2017. Skip Johnson joins us with a 3-step guide so you can do just that.