Credit buying is much like being drunk. The buzz happens immediately and gives you a lift... The hangover comes the day after.
I don't give advice. I can't tell anybody what to do. Instead I say this is what we know about this problem at this time. And here are the consequences of these actions.
There is a rule in sailing where the more maneuverable ship should give way to the less maneuverable craft. I think this is sometimes a good rule to follow in human relationships as well.
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