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secular woods sex
Aug 1, 2000
I dispense wisdom by the gallon.
Thanks to a lack of financial education and a deluge of credit card applications when she turned 18, my older sister declared bankruptcy at the age of 23. It just recently came off her credit report. In the interim, she's gotten much better with her finances (and also married a man with excellent credit and common sense).

Because of that, I stayed far away from credit cards. I didn't get my first one until I was 27 and was facing an uncertain medical situation and thought I could use some back-up. Just in case my debit / checking account couldn't cover it.

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secular woods sex
Aug 1, 2000
I dispense wisdom by the gallon.
There's the tread about the guy who wants to live on a houseboat in Minnesota because he thinks it will save him money.

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