For a long time, no matter how much money Sam and I made, we struggled with our finances. Every month was simply buying things until we ran out of money.
We’ve made really terrible decisions with our money – buying cars we didn’t need, a home we couldn’t really afford, not having any kind of budget, and using the credit card as a “freebie” account. In the 9 years we’ve been together, we’ve had to face some tough wake up calls when the time came for us to pay up.

























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