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Uh oh. Got a bit carried away? Still haven't been able to pry that charge card out of your hand (except when you're handing it over to a salesclerk)? Well, it might be time to sit down with the calculator and figure out exactly how much damage you've done. You wouldn't want to have to take on a part-time job just to pay the bills. That would certainly cut into your social life. Think about it now, while you still can.

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