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This year you may plan to exercise, eat healthier and hopefully lose a few pounds. You've mapped out your fitness goals and your ideal weight, yet when it comes to your debt you may just be planning to take things as they come--paying off one debt here, while racking up interest on another. If only you could think of your debt like a strict diet plan. Instead of big portions (spontaneous shopping sprees, for example) that come back to haunt you, consider taking small steps that will help cut you loose from the bondage. Here are seven steps to getting rid of bad debt.