I was offended when my friend sent this to me. I thought she was being condescending. But when I read it, I understood and I was even a little scared. I didn't realize that my bad could hurt my kids' chances of getting loans for school (and they will need them)...I'm signing up to speak to a non-profit debt counselor to help me get my finances under control.The good news is that she's realized that she has some things to work out. I think that's half the battle. It's much easier to resolve your finances when you know what you need to work on.
Here's to financial empowerment!
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