nindot ni ang pagtulun-an diri da..
Good read about credits.
reasons-to-say-no-to-credit: Personal Finance News from Yahoo! Finance
people's principle about money will always depend on their mindset...
rich mindset = money is good
poor mindset = money is bad/money is the root of all evil
when it comes to money i pay myself first, meaning i save at 10 percent by paying myself, then i can freely spend the rest
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