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Paper money or plastic credit card?

I got real with myself, and looked at my credit card balance and my budget. After  I got over my shock and realized I was in the red, I set to work creating some solutions. I am not a big spender. In fact, some of the most common ways of cutting expenses wouldn’t work in my case. I had already put them in place years before. I don’t have cable (I watch Netflix and have an antenna for the local channels). I’m careful about my electrical use, use a drop-off…

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