Nice The IT Guy Scary Halloween Classic Shirt

After I started my career I saved a nice chunk of cash for a 20% down payment on a house. I couldn’t get a mortgage. I didn’t exist. My parents taught me how to avoid debt but not how to build credit. I should have used a credit card and paid it off monthly instead of using cash.I was raised super debt phobic. I was always “responsible” and only bought things I could afford and paid cash. I finished college and grad school by working and taking cash loans from family.

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