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Re: Personal Responsibility
I recommend Dave Ramsey's book, "Total Money Makeover", changing location will not change behavior. Dave gives the steps to get out of debt and to stay out, remember: "... if you will live like no one else..." to get out of debt then: "...you can live like no one else..." debt free. "Stop listening to your broke...friends..."
You can be debt free, no car payments, no house payments, and sooner that you might imagine. But it is hard for a while.
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