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I am 33 and tired of making the same financial mistakes (more like bad decisions) over and over again. My debt feesl like shackles and causes me so much anxiety to even think about it sometimes. If I reduce my total debt by half I know I will feel a lot better and will have a sense of accomplishment that will inspire me to continue on. Also, in moving towards this goal I will (I pray) drop BAD habits and gain the financial discipline I so desperately need.

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