We use credit only in the case of extreme emergency. I'll be da&*3d if Iam going to pay someone 18-23% interest on their money when my money in the bank cannot even earn 3%.
People do not realize the price (financially) they are paying for credit.

I look for gifts throughout the year and go to 50% off sales during the season. There is no reason to go into debt or to pay triple the price of something (when you figure in the interest). That is NOT what Christmas is about.

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The political system is broke and it's a joke.