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In the past three years have you;
Bought a house you couldn't afford
Bought property only to see a better one in a better neighborhood selling for cheaper
Bought a pair of shoes or bag you had to have instead of paying the rent
Maxed out your credit cards
Eaten three or more meals from a restaurant or deli per week
Loaned a friend money so they can pay their bills
Stayed at a four star hotel when you should have stayed at a two star
Leased a car and got slammed with the mileage charges
Bought a car you couldn't afford