He had accumulated severalcredit cards with a combined credit line of $30,000. Which was amazingconsidering he was a college student with only a part ...ime job.At first it was easy to pay the bills because he was living at home andhad no expenses. That all changed when he moved out to go to FloridaState University for his last two years of college. At FSU he foolishlyspent his money, buying things he did not need. Within months he hadexhausted his credit limit, and he couldn't even afford to. ‘What you need,’ Simon told his older friend as they shouldered their way through the pub door, ‘is a pint!’ They made their way into the dimly lit interior and approached the bar. ‘Hi, Betty! Couple of pints please!’ Simon called out to the barmaid, an older lady who’d seen and done all, at least according to her. She nodded and returned to her conversation with the old regular sitting in his usual seat at the bar. Once they’d got their drinks, John and Simon made their way to one of the. More

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