Capitalizing on Addiction


A year ago, when I was trying to get through to my husband that we were spending faster than we were earning and that our credit cushion was wearing dangerously thin, he had a brilliant idea, “Let’s get another credit card.” Yep. We’re running out of credit, we’ll get more credit, problem solved, ta da! (Our own family version of an Arctic National Wildlife Refuge drilling project.)

That was clearly not a good solution and not the one we took, but it was the most obvious solution, especially with credit card companies sending offers in the mail every day. In…

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