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I freak if we carry a balance but sometimes it's unavoidable - for example, when my brother died we could have taken the $ for plane tix and hotels and stuff out of savings, but I didn't want to dip in so we just put it on a cc and paid it off within a few months. I try to keep a tally of what's on the cc and mentally subtract it from our bank balance so we don't spend money we don't have.
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"If ten million people believe a foolish thing, it is still a foolish thing."
- Anatole France
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