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When it comes to finances one of the most intelligent things to do is avoid credit card debt. Only spend the money if you actually have it. The typical ten percent interest rates on a credit card can cause charges to add up very quickly. If you find yourself already in debt, it is prudent to pay early and often overpay. If one has a hobby such as painting or woodcarving they can often turn that into an extra stream of revenue. By selling the products of ones hobby in markets or over the internet one can produce money to use
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