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How do I get out of this rut?
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appleyard said it more politely than me. Sorry.
You are not stupid (by any means), there are literally millions of people in this country where you are now, EXCPEPT they havn't had their LBM, and this time next year you will be well on the road to debt freeness, while they will still be putting off the inevitable.
Stick around, you will learn alot and get lots of support. It does get easier.0
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