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View Diary: Obama vs. Usury?  Why Not? (Updated) (251 comments)

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  •  for most I still see the solution as (0+ / 0-)

    cutting spending.

    When I don't have enough cash for something I don't put it credit, I wait, save money, then get it.

    Instant gratification is a really bad thing when it comes to credit.

    I will say some people do need the cards for things like medical care, or to pay rent, but I would argue most have debt because of bad spending habits.

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