I have always considered myself to be a very thrifty person. Some people have even called me a penny pincher. All of that changed when I started to hang around people who had far more money than I did. None of them had to work for a living because their parents were very well off, and my situation was completely the opposite. Before I knew it, I was thousands of dollars in debt. I knew that I had to do something quick, so I started on a debt management plan. I have learned to only spend what I can afford to spend.

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