Is It Time for Some Plastic Surgery?

I had plastic surgery last week. l cut up my credit cards. –  Henny Youngman I’ve decided to give up using credits cards this winter. I froze my credit.  I placed my cards in a plastic storage bag and put them in the freezer away from my hot hands. I’ve decided to nip and tuck my expenses and rethink what “living within my means” actually means. Doing this is no mean feat. I think living in New York has given me a warped sense of what “my means” and “my needs” actually are. Many of us start feeling a financial pinch when

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