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  1. Dear Joolie567, Keep chugging girl! STOP...EVALUATE BEFORE MOVING FORWARD!!! And give yourself some credit. Bravo! You have a job! You have a house! You have a car! You have an education! You have a loyal friend (pet)! You have a brain! You see the writing on the wall and you’re applying the brakes before the catastrophe. That’s using your head. There’s a lot of talent on this thread and I wouldn’t dispute any of the suggestions offered here. I’d like to add to it by suggesting you reconcile your money philosophy.
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