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laz98 wrote:
i agree, but in some cases, people need to experience it for themselves.  for instance, i didn't think it was a big deal that i didn't PIF, i just thought people were trying to be "holier than thou" on me.  i still can't afford to PIF, but now, i see the importance of getting my balances down ASAP, & not just revolving debt til the end of time.

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Yep.  I learned the hard way (by paying avoidable fees for years) and am still working to be debt free, I wish I had known about the value of PIF years ago, the Forums helped me see the light in that regard too