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Do you honestly think spending less and making sacrifices now is worth is in the long run to pay down bills, and grow your savings?



Yes, that flat screen T.V. isn't worth the finance charges and the debt it will leave me in.

No, I work hard, and if I want to splurge on something, I'll do it, and pay for it later.

I think it makes sense, but it's easier said than done.

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