I'm new here and am here because I have seen parents/friends/relatives fall into crippling debt and want to avoid the same fate. I'm off to a good start: I just graduated from a UC and have only 15K to pay back and just got a good job that's paying me 45K before taxes (which are ridiculous). I am not the most frugal person in the world (I like to buy clothes, go to sporting events, play poker with friends) but I do want to be smart about my money and that's why I'm here.
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