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Separate cedit cards for my wife and I. I've also been lucky enough over the years to have made a fair amount of money from my published articles and photos that anything I've spent did not come out of the household finances. I've also sold a lot of stuff on eBay, both modeling related and not, and all of this goes into a separate savings account for my "toys". [:D] <br /> <br />Bob Boudreau
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