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Seemingly overnight, the balances start to increase. Then the interest charges build moving upward. Then the fees are added on. And can builds up higher scales. Then they will use your higher balances, as justification to increase your interest rates even higher, and charge more fees and penalties. The cycle does not protect against. Oftentimes, we use fear as a motivator to begin a goal: Fear of failing health, of being laid off, of having to turn to others for help, or of the unknown prospective. The problem with that is fear may encourage you begin saving
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