Have you been treating you bank account well? Is it a bit starved for attention? Before it's too late, take a look at what's been going on with your checking and savings accounts. There is a big disparity there that you need to fix. Perhaps you've been pushing your credit card to the limit? If so, do yourself a favor and live your life on a cash-only basis for at least one week. Remind yourself of the value of money -- and the fact that once you spend it, it's gone.
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