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Turns out my wife had opened up a charge card at our bank, then got a couple of store cards around town. She had purchased some serious clothes and jewelry, but the real kicker was she had bought a horse. She had taken lessons as a child and decided this was going to be her new thing. There was the price of the animal, riding gear, saddle and tack, vet bills, stable fees, yadda yadda yadda. I ended up dumping a big chunk of my savings into paying down these cards, then amending my questionnaire responses.

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