Congratulations on your job at the bank! Yes. You work for the bank. After taxes, your largest expense is your mortgage and credit-card debt.
Don't cut up your credit cards, the problem is not the cards, it's the lack of financial literacy of the person holding the cards and always make the best out of a bad situation
When I was young, people lived paycheck to paycheck. Today, it seems like they live from credit card payment to credit card payment.
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