This is a great article!!! For other readers, if you have never read "The Total Money Makeover" by Dave Ramsey, you NEED to. It'll change your life forever.
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if you're having a hard time getting a credit card, there's probably a reason why. besides, if you can't afford the things you WANT, then don't get it. take of your basic NEEDS first then save up and buy what you want. subprime loans and credit cards are the reason our country is in the crisis it is in today.
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Novice
