Stop Using Credit Cards

I use my debit card, or money which I already possess, for online transactions, such as paying for this domain name, hosting, online donations, etc. I use my debit card for groceries. Like most people who were fresh out of college and earning for the first time, I've been fooled into getting a credit card. Lo and behold in a span of just a few months, I've maxed it out. This was back in 2002, ever since then, never did I use a credit card for consumables.

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