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I was not going to say anything further about credit card debt. But here goes. These last 5 years we ruthlessly fight a war to become debt free. We are down to one year on the last card and basically paid off on everything else. Credit card offers in the mail are torn up on sight. Do Not Call lists is used against telemarketers and literally everything is cash only now in our home. The LHS's do help out with a good layaway program against the limited runs/Deadline orders. So there is also Ebay for selling obselete trains to use as seed money for new power etc... We did discover various ways to trim shopping habits to the bare minimum and still have a decent home. We are not rich and never will be but we have beaten the debts that threatened to destroy our futures. I do worry that if the majority of debtors fail to afford or pay minimums (Which was doubled recently) across the USA, we might see another S&L failure or worse when the big banks fail under the stress.
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