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I suck at being an adult. I can't be responsible with credit cards

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  • Check out Dave Ramsey- he really helped me.

  • It is really hard to stop it once you started, but before you do the mistakes others did, consider this: You'd rather pay a loan at lower interest than a credit card at high interest, also, you'd rather wait till you get the money for what you want, than pay long terms DOUBLE what you can pay the item for. Start by creating a budget and calculate your payback capacity and concentrate on that. You'll get there eventually, keep it up. Cheers

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