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hip hip queens-ray! kew them gardens.
hands up *clap* *clap* hands down
i have been paying too much in it.

i have finally broken down and contacted 'take charge' because the situation required it.

so now i basically will have no credit cards whatsoever and will save a ton of money in interest.

subscriptions to be cancelled, etc. we can see what i 'need' and what is only just so nice to get but not needed.

would be nice to win the lottery so i can do some more writing.
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