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This was a mixed blessing, I've been trying to get out of debt, and this forced me to use the money I had. It was a little embarrasing to tell my husband that we had .16 in our account (I paid the truck anyway to avoid a late fee), and that we couldn't eat out. He was fine with it, he knew what my goal was , and he supported my decision. I told a couple of co-workers, and my sisiter, they all said "Good for you". I paid that card off and am now one step closer to my goal.