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Are You in Debt?
If someone is upside down money wise, and they're in debt up to their ears, there's a triage list for that. Pay the ones that appear on your credit report. State taxes first, ies taxes second. Bankruptcy should really be the last of a long list of options. Cash, literally, it's not hard, is a myth. It is not harder to spend than on a credit card. You won't know if you use cash because you won't know where it went. Nobody who has atyse or not is going to save every receipt.