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Basically, if you cant pay the bill in full within a month or two, reexamine whether its a worthwhile expense; particularly if you dont have at least six to nine months pay stashed in an emergency fund or youre trying to save for a car.
That way you can assess any damage done and actively work on correcting.
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8.4 percent (its a whopping.2 percent for those with no high school diploma).
And speaking of cars: Common wisdom used to consider buying a new car to be bad debt because they lose 20 percent in value the minute you drive off the lot.


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