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Sorry, I hit the "enter" key, and my message got submitted before I was through.

My point is this:

Remmeber, if you don't have the money to pay for a purchase, DONT! (unless it is an absolute emergency). Also remember, if you buy a $100 sweater on sale for $25 and put it on a card, and don't pay off your entire balance the following statement, you would have been better off paying $100 in CASH!

I feel for the people who have credit/debt problems. I have actually read these posts and have spent many nights crying for these ones. Keep trying. If you feel that you need a credit card for emergencies, put it in a drawer - do not take it with you. Get a cellular phone for emergencies - it is cheaper than a credit card! - Get Triple A for car emergencies - just don't carry your card with you!

Keep up the good work for all of you who are trying to get a hold on the spending!

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