As a proportion of your personal net worth (total assets minus total liabilities), identify the proportion of

credit card debt you currently have outstanding (or have had outstanding at some point in your life). Identify the expenditures that have given rise to your credit card debt. Which expenditures were discretionary and which were not? Discuss the implications. Are there any strategies that you can implement in order to better manage and reduce credit card debt? What strategies have you used?             

Answer can be 3-4 sentence or longer.     

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