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I used to have a problem with credit cards (the devil in disguise). I was about $3000 down which is a ton for a guy who used to make $6 per hour. I was very nervous and put the card in a baggie and put it in a bowl of water and froze it. So, if I wanted something I couldn't pay cash for, I had to go home and thaw out the card and by that time I usually said "forget about it".
Took a year but it was paid off and now I only have one for emergencies. I hate them but sometimes you need them. Got to be bloody careful with them. Jeez.
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Life's jounney is not to arrive at the grave safely in a well-preserved body, but rather to skid in sideways, totally worn-out shouting, "Holy sh*t! What a ride!" - unknown 
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