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Be diligent beforehand to avoid heartache later, and if it’s too late and you are already there, start your research for a course or repair company to counsel you in finding a [...] I don’t recommend this as groveling to your parents does not reveal your dignified side, but it got me through the first year or two after college. I always had a really great credit score. I struggled for many years with issues with my finances from being a scrooge to spending frivolously and neither method got me anywhere quickly but further in debt.
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