Many people believe getting out of debt is all about math: spending less than you earn and paying the difference to your debt until it’s gone. Jackie Beck, author of The Debt Myth, says that it takes more than just math to get out of debt. It’s about changing your money habits and the way you view debt, plus putting in some good old-fashioned work. And Miranda Marquit, publisher of Planting Money Seeds has a few words of hard-earned advice for anyone who has dug themselves into a debt hole so big they think they’ll never climb out. They offer some tips on how to break the cycle on our sister sitem, Living on the Cheap.