SHATORIA Smith was tired of the $5,000 in credit card debt she felt was blocking her from reaching her financial goals. She couldn’t see an easy path to being debt-free, so she drew herself a map by adapting a goal-setting framework she’d first heard about in a college business class: the SMART method.

This Nov. 29, 2018 file photo shows credit card logos posted on a store’s door in Philadelphia, Pennsylvania.
AP PHOTO

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