Uh...I found it funny that you pretty much said at the very end of your entry what I was going to respond. We are flat broke. Seriously. We haven't been out in a million years. The weekend adventures (yes-thanks to the f'ing credit cards) were nice! It was good to see what life is like out there still.
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Seriously, living beyond your means is not a problem as long as you are not living beyond how many minimum payments you can afford.
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