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I used to have a wide selection of credit cards, car payments, rent to own shit and I managed to dig a great big ol' hole. I was freakin' miserable.
Now, I have no cards, the vehicle was paid for in cash and if I can't afford it, I don't get it. Remarkably enough, I'm pretty damn happy and it's nice to not have to dodge bill collectors at the door or on the phone.
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No signature. None. Seriously.
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