What is debt costing you? Think about how much your paying in interest and what you could pay with that money. We often blame others for a problem we created. Look at what you NEED versus what you WANT. Now evaluate what you can live without and work to live without out it till you aren’t paying interest. If you have to finance it then you can’t afford it. The biggest sceme is you can have zero interest if you pay off by this date. They want you to fail. They want you to have to pay that interest. That is where they make their money. Don’t fall for it.
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