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Each week I get questions from people who need debt advice. Taking control of spending is absolutely necessary if you want to avoid problem debt. So here's my list of the top 10 debt-causing attitudes. You might want to take control of your spending in 2005 if: 10. You never met a credit card you didn't like. Debt is a four-letter word and is what you get when you use credit cards to extend your income. Stop charging now and make a commitment to begin living on your current income. 9.You are impulsive by nature and think that using your...