Ways to know you are really in debt:
- You refer to your credit cards as "magic money."
- You recently charged 48 cents worth of gas.
- You can't get your credit report because printing it out is considered an environmental hazard.
- You're not allowed to have a bank account in 41 of the 50 states.
- You've considered getting another card in your kid's name ... or your dog's.
- You answer the phone with "No hablo Englais."
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I for one am very glad to be out from under my credit card debt. 
























