Yes, my paycheck sometimes runs out before payday.

Sorry--no points.

You should be able to write checks or share drafts for basic expenses any day of the month. If you have to wait for a paycheck to pay any but larger bills, you're cutting it a little close. If credit bills are the reason things are tight, this is no time to take on more debt.

Question 3: Are you robbing Visa to pay MasterCard?

            Yes                  No

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