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Congrats on clearing the debt.
I have lived by the principle of my parents - if you don't have the money, don't buy it (apart from obvious larger purchases like cars and houses). I have a debit visa card (works where visa does, but takes money out of my bank account - no credit) and an Amex (on which you have to pay the balance each month). It makes you think carefully about your purchases.
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who hid my keyboard's PANIC button?
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