we never carry a balance---a painful lesson learned in college...had a lot of work done on my car (including new brakes, exhaust, and a set of tires).
laid off from my part-time job a week later. was only able to pay the minimum payment for about 10 months...got to watch my balance continue to grow over time.
never again if i can help it.
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Warren
"And I think it's gonna be alright. Yeah, the worst is over now, the mornin' sun is shinin' like a red rubber ball."
1966, Paul Simon & Bruce Woodley.