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In January, you will be getting your credit card statements with a summary of all the purchases you recently made without paying cash. How will you deal with this situation? If you say, "That's fine, it's just what I expected. I have the money to pay the total balance. Now, write the check. Done!" - Well, if that's your reaction, you are in great shape. But, if the credit card statement leaves you wondering how your will pay for it, and how to manage your minimum payment, you need to do something to improve the way you handle shopping, spending, and paying your bills.

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