Not everyone is part of this hoarding culture. Some people can't or don't shop online because they can't make ends meet or because they don't have credit cards. Some people are part of the zero-waste movement.
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"Many people are in the dark when it comes to money, and I'm going to turn on the lights. " ~ Suze Orman
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This is what people do when they feel socially obligated to apologize but they aren't really sorry. This ends up being even more offensive. Example: "I'm sorry if anybody was offended."
If you can't apologize from the heart, don't bother, because you're not really apologizing.
Credit can come in handy on some big purchases. Rather than using your debit card, it may make better sense to pay with your credit card, then settle the amount immediately.
This is because credit cards often offer more protection for larger items, such as extra insurance...
When you use credit cards responsibly, they can give you a lot of power. The best circumstances to use a credit card is:
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