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It doe not matter where you live. Carring consumer DEBT such as credit cards will rob a bit of your future. Money that goes to interest is wasted money. It's money that you worked hard for. Get out of debt Today
Don't let little monthly payments trick you; if you are not putting at least the same amount in to a retirement saving account or bank then you are losing. Consider creating a financial plan with debt software that will eliminate debt and show you where your money is going each month.