Three years ago I managed to pay off all my (6) major credit card debt, most charged by my ex when we were together. I use checks or debit cards and thats it. I am debt free and wouldn't accept a credit card if it were made of gold and they paid me to use it.

Been there - done that!

It actually feels so much better just waiting for something if money is tight or making due with whats available. Once you become use to doing that it is really quite easy.
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Take a peek at my BLOG:

http://charleen-micheles.blogspot.com/