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Credit cards give people a fake sense of cash flow. Think about it. If you had a $3,000 mortgage and had about $15,000 in credit on hand, you can go almost two years putting shit on your card while still paying your mortgage, makes you feel like your cash flow is the same but of course its not. When your cards are full, you have an extra expense, make a late payment then shit starts to hit the fan. You start buying shit that you need like food with your cash and now you cant pay for your mortgage so it gets foreclosed. Now you're down and out and probably less productive, trying to find a place to rent, you're trying to save what you have, you stop buying porn online,s top eating out and start pinching every penny and it fucks us all. If you just bought a home you could afford and didn't use your credit cards we might not have ever had your business so we wouldn't be loosing it. When everyone is shitting bricks you could have said, hey I'm gonna relax and buy some online porn today, I got a few extra bucks to spare.
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