We all know that end of the month terror. We spend most of our paycheck when we get it: The rent and car payments have to be paid, and then there are a bunch of other small bills that eat at your check until you have very little left. This is when the unspeakable happens: You have a blow out on the interstate, that light on the dashboard you’ve been ignoring turns out to be something important, or someone you love announces that they have to have money or they are going to be in big trouble. You don’t know what to do; you can’t go back and change all the little decisions that took apart your check.
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