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I am having what I hope is not a unique experience.

My husband and I were having a discussion today about our longstanding credit balance, which has remained strangely consistent for several years. He came up with the theory that that was how we have been controlling our spending. The insight seemed right somehow.Food for thought.
I am impressed by the good advise given by the other responses as to a change in focus. Good luck, and don't let the CC companies have any more of your money.
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