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Congrats on paying off your debt!
I have never had debt and do not have a credit card. However, I imagine I will some day. Do you have any lessons that you specifically learned about how to stay out of the cycle of debt? The answer seems obvious, but I imagine a lot of people hear the good advice, and try to live by it, but still end up finding themselves in debt.
Mike
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When tired sleep, when hungry eat
!ego
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