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About 5 years ago I had a lot of debt. Car, house, a couple of credit cards and some loans. I decided to focus every extra cent on paying it off. It took me a few years and some serious saving and budgeting, but it is all paid off now. I have one credit card that I keep in case of emergency, but it is through my bank and doesn't have an annual fee or anything. I think I have used it once in the two years I have had it just to make sure it worked.
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