ilmscore | Debt Management and Credit Card Usage Predictions
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Debt Management and Credit Card Usage

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Despite claims of not being able to afford budgeting apps, spending habits (e.g., $700 on dining out) are identified as the primary barrier to financial improvement, making affordability excuses invalid.
"You spend 700 going out to eat. It is two bucks a month. Well, like I can't afford like off. Hey, I ..."
Caleb Hammer Caleb Hammer
Dec 5, 2025
Correct
"Financial Audit Doe...