Oooooh that makes me think of another point. We have a line of credit that we use when we do have money on the mc that carries over. The interest on a credit card is obscene compared to a line of credit so if you need to carry it over, it's better to be there. I know it doesn't seem logical to go get another "loan" but if you only use it when you absolutely need to and are good at paying it down (like most other things), it'll save you in the long run.


































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