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I am also working on getting rid of all debt at so that I will have fewer or smaller payments.

Good idea. Getting rid of high-cost debt (i.e. credit card and high interest loans) and staying rid of them is the best thing you can do to ensure your financial future.

Much thatnks for all of the time and patience and good advice.

I like to think that I am helping others to learn from my experiences (admittedly extremely reckless at times).

Good luck!

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