Foldedspace - pure nerdery since 1997

By the time my father died in 1995, I had over $20,000 in credit card debt. Rather than use the $5000 in life-insurance proceeds to pay down that debt, I spent the money on a new computer and other toys. Even after I cut up my credit cards, I found new ways to spend beyond my means. By 2004, I had over $35,000 in consumer debt. ................
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