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trekkingirl 09-10-2012 01:59 PM

Do you want to get out of debt? Start living on a budget? Be able to start saving? Then this is the thread for you! Some of us use Dave Ramsey's method but please join us even if you're following someone else/your own plan. All are welcome!


Here's DR's plan:

Pre-Step 1: Get current on your debts and do a budget
0.1 No new borrowing.
0.2 Talk with spouse and get him/her on the same page as you concerning finances.
0.3 Do a written budget
0.4 Temporarily stop all retirement contributions
0.5 Get current on all the basics (Shelter, Food, Utilities, Basic clothing)
0.6 Amputate "toys" (bikes, boats, ATV's etc) to help snowball
0.7 Cut lifestyle (Cut cable, cell, extras, eating out) and/or get a second job to raise $1000 EF.
0.8 Get current on ALL bills

BS1 $1,000 to start an Emergency Fund
1.1 Chop up/freeze CC's (You have an EF now)
1.2 Get Health insurance NOW if in the US
1.3 Get Life insurance NOW if you have considerable debt/your family couldn't make it financially if you died.
1.4 Amputate cars that you can't pay off within 24 months

BS2 Pay off all debt using the Debt Snowball
2.0 Do the debt snowball, paying all your debts from lowest BALANCE to highest.

BS3 Three to six months of expenses in savings
3.1 Start car replacement fund
3.2 Save up 20% for home purchase OR pay down existing mortgage to the point you can drop PMI.
3.3 Start furniture or other non-essential stuff replacement fund

BS4 Invest 15 percent of household income for retirement

BS5 College funding for children

BS6 Pay off home early

BS7 Build wealth and give! Invest in mutual funds and real estate

Here's the link to Dave Ramsey's website: or if you want a good DR discussion forum, is good but hardcore. Gail vax Oxlade's Til Debt do Us Part is great tv show, very motivating. Her website is: Others like Suze Orman or Mary Hunt, really doesn't matter whose method you use, just start the process to getting out of debt

trekkingirl 09-10-2012 11:17 PM

Anybody out there? MDC has been really dead lately! FB must be sucking people in!!!!!  I don't know why really, pretty impossible to have an in depth meaning full conversation with like minded people there!

eirual 09-11-2012 06:08 AM

I'm here, I'm here!!


I have recently removed myself from buy/sell groups on FB. I was oogling over too much stuff that, had I never seen, I would never have wanted. It was just the fact that it was there and for a decent price I fielt like I *should* get some. I finally just gave away the stuff I had been holding onto to sell and I feel so much lighter and freer and better and hopefully made a few people's days by giving them some good scores.


Out of sight is out of mind, for me!'s the same reason we ask for no weekly flyers to be delivered. It doesn't matter how good of a deal something is, if you otherwise wouldn't have spent that money you're not really saving anything. We do look up the one weekly flyer for groceries where we shop, but that's it.


What are your approaches to sales and flyers??


I was also searching for a woven wrap and feeling nervous about spending $$ on it. DH reminded me I still had my Hypnobabies package I was intending on selling, so I did. It went quick and for enough to cover the wrap, so I feel good not guilty about picking it up. Yay, for no buyer's remorse!!joy.gif


Living within one's means feels so GOOD!!

captivatedlife 09-11-2012 06:34 PM

It took 2 years but after loosing his job and now getting paid half of what he used to, DH is on board!

Of course now he makes half of what he made before..... My dd is in a private school and that is our one nonnegotiable expense. And it's a big expense. We just got rid of out AT&T cell phones and are going with page plus ( 42 instead of the 170 we were spending!). We still. Have Netflix and Internet- I would have a hard time giving up Internet as I help my daughter with her Spanish via the Internet, find lots of good deals,etc!

I work full time, cook most everything from scratch (I recently stopped making xrackers and bread but may have to start that again. At the rate we're going will will be almost debt free in a year and I look forward to slowing down. DH is looking for a second job right now and I am looking for little things I can do to get more spending money. We are eating on $200 a month (and entertaining on that!) and I look forward to being able to be a little more loose in my budget!

And I'm rambling but it's soooooo good to be where people are supporting each other to get OUT of debt not IN debt!

trekkingirl 09-11-2012 08:51 PM

I don't know anything about buy/sell facebook pages?

eirual 09-12-2012 11:17 AM

There are no addictive baby carrier groups. Do not go join Babywearing Swap....not that there is such a group Sheepish.gif. Trust me, ignorance is bliss on this one! lol There are local mom to mom groups out there too- I had no idea until friends started adding me to them....such enablers....nono.gif.

dziejen 09-13-2012 05:08 AM

I'm here too! Just registered dh and I for a FPU class that starts on Tuesday in town.  We were going to do this 6 months ago but it was kind of crazy with scheduling but now we are going to make it work.  I am excited but nervous to go but I am expecting it will be helpful in many ways - I have heard great things about this program.  I'll keep you all posted ;)

trekkingirl 09-13-2012 04:58 PM

Yay! I'm waiting for my church to start up one too. We already have all the materials, just need to set a date.

AngieB 09-14-2012 07:41 AM

I really want to join this group and start getting out of debt. I have no idea how to start. I feel pretty trapped. I've read Dave Ramsey, I know the steps but I feel incapable of doing it. There doesn't seem to be any extra money to put towards paying down debt. Everything is getting more and more expensive, we have nothing worth selling and at the end of the month I'm holding my breath that we'll make it to payday. I used to be so good with our money, we didn't use credit cards, I put money in savings every month, I just don't know what happened. I'm embarrassed to even write how much we owe. Plus 3 of my 4 kids have birthdays this month, California just added a new fire tax that's due at the end of the month and dh's truck registration is due, plus it has to be smogged this year. Every month I think I'm going to budget and save and pay extra and then every month stuff like this is going on and then there is nothing extra.

nyssaneala 09-14-2012 09:54 AM

DH's bonus finally came in today's paycheck. I just made an additional $5,000 payment on his student loans. It feels both good....and bad. I get slightly nauseous every time I log into his student loan account and see the balances...and the reminder of how much interest accrued while he was in his surgical residency. Bleh. His balances are still higher on ALL his student loans than what they were when he graduated med school, even with today's extra payment. At least this is one of the only debts we have left (along with our mortgage).


On a positive note, we have started a savings account towards a new car, I'm really hoping the next time we need to buy a car we will not have to take out a loan! 

dziejen 09-14-2012 02:29 PM

AngieB, you are definitely not alone!  I feel the same way a lot of the time.  This group provides inspiration/motivation for me and some ideas too.  Sometimes it helps to know there are people in the same situation as us.


Maybe just hang out here for awhile and see if you have any ideas or write out what you are spending and see if there is any wiggle room at all.  I like that Dave Ramsey's program calls them "baby steps" because big changes can be intimidating and harder to keep up with. 

lilacvioletiris 09-14-2012 06:09 PM

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Trekkingirl, wish you lived where I do - you could buy an awesome 4 bedroom, 3 bath house in the historic part of Battle Creek, MI with 2 car garage for $89,900.  In so many ways, I wish I would have done Dave Ramsey sooner, rented for awhile longer, and been able to own a larger home.  Right now I am stuck in my 2 bedroom home that I bought for $71,900 when houses like the one above was for $120,000 and I didn't want to be house poor.  Yep, hindsight is twenty twenty.  Now houses my size are selling for $20,000 or less.


dziejen, I ought to look into going to a class again and just reviewing what is there.  DH and I have been doing great with budget meetings.  Not always what he wants to hear about the fact that we don't have extra to "play with" but we have enough to cover our bills and put a little in savings and we are snowballing our debts.  Still haven't gotten his educational reimbursement - grr!  We are going to use that to pay for our IVF, but it looks like we will do that IVF cycle next summer when I can relax from teaching.


AngieB, welcome, I hope you can get back on your Dave Ramsey kick with the help of this group.  I find it exciting to hear of people making progress, like nyssaneala above, that keep inspiring me to spend more wisely.


AFM, I got an extra check from proctoring the ACT.  They now do direct deposit and the test was Sunday and the money was deposited today into my account.  Just in time for my trip to Las Vegas for work.  Nope, not going to gamble.  I don't do that kind of thing anyway.  Even more so that I am trying to get my debts paid down so that I can stay home with children I want to have.  Focus, focus, focus.

kitteh 09-15-2012 03:06 PM

Subbing in here. I seem to have missed last month's thread entirely, whoops!


Our current debt load is $1762 @ 0% and my student loans around 20k on IBR right now. I should probably be tackling that student loan debt right now, but for some reason I feel compelled to build our savings instead.


We've got around $7,500 saved right now and will hopefully be at 8k by the end of the month. We need 16k to have it fully funded (8 months) so I'm trying to be gazelle-like about that. 16k seems a long way off, though!

trekkingirl 09-15-2012 08:40 PM




AngieB I live in Northern Ca too, Petaluma. When I first started TTMM I used to feel stuck too. I would get pissed at Dave and feel like he was writing to the middle class and not someone poor like me. He would say sell your toys and I would look around for a jet ski or harley and laugh! Baby step one \especially pissed me off. Gee Dave if I could just instantly come up with $1000 would I be reading this book! That's A LOT of money. I got mad, I got CRAZY and made drastic decisions to change. Dave said I paid too much rent. So I moved into my RV. I went from $1650 a month down to $350 for rent. That made things start moving in the direction I needed it to. Dave said I should sell my car but I have a $4000 upside down car loan so to me that doesn't make sense. I have only paid off one of my four credit cards but I am well on my way to home ownership which has been a life long goal of mine. If you have no wiggle room and you really want freedom get MAD and CRAZY. Down size, get rid of everything you can. Work two jobs, I do. Make a budget and stick to it. I still haven't mastered that. Good luck girl, you're in the right place!

orangemomma 09-17-2012 02:42 PM

Hi, I'd like to join this group. I just finished reading DR's Total Money Makeover and am feeling very overwhelmed.  I think I am going to be at pre-step one for awhile - getting current on all bills. It seems that when I get current on one bill - 2nd mortgage for example, I fall behind in something else like student loans!

eirual 09-18-2012 11:22 AM

When action seems too overwhelming for this month, just arm yourself with knowlege. Calculate your net worth (yes, that means adding everything up that you owe, but that's what will trigger the rage and light that fire and you WILL find a way to make it work!). I'd suggest starting there (it may require wine...or hot tea...but DO IT!!!! It's even free! :) )


I like to remember too, that even if you can't follow the path exactly, if you make an effort, you'll likely find yourself heading int he right direction at least (which is a lot better of a place to end up than backwards and way off the mark).

orangemomma 09-18-2012 11:46 AM

eirual - thank you for the kind words :)


I did calculate my net worth and it scared the pants off of me - no rage there, just terror. I am using that fear to make the few changes that I can see at the moment - what with cutting down on cell phone costs and struggling with the student loan people.


I will keep reading - I have ordered DR's Financial Peace from the library - don't know if it will be helpful but I like the "peace" part in the title.

Basylica 09-18-2012 03:09 PM

I'm STILL not sure how I did it, but about 4.5yrs ago my ex filed for divorce (to get jump on me) and left me hanging with 2m of bills, drained joint acount a day after I'd been paid (I made 2x his income), and kept dragging me to court costing me 30K before it was final.

I was paying around 1300/mth in daycare and my ex didn't pay a dime in childsupport until it was finalized because he wasn't forced too (grr) and he pays 540/mth. LOL.


we had jointly 15K in debt, of which I was given 6K, and my car blew up shortly thereafter so I bought a new kia since I'd had bad exp in the past with used cars and GREAT luck with my sephia until it died... I was making 42K at the time all this went down and for the next year after.


I cut out ALL spending I could. turned off cable etc. I'm not a huge spender anyway...even with kids the reccomended toys/gifts/clothing always baffles me.

handmedowns and freecycle and thrift are your friends there.


I don't eat a heck of a lot to be honest, my biggest food expense is probably my dew habit, but even so we were eating PB&js or ramen or cereal quite a lot.


You just have to buckle down to a "will I DIE if I don't have this" mentality. and not a "It's my industrial sized blowdryer and I can't live without it!" die, I mean your heart stops beating and you stop living kind of die.

Pay off highest interest debt first, call CC companies and argue rates and amount owed (I paid 3500 of the almost 6K by threatening filing for bankruptcy and them not seeing a dime) if you have debt.


I went from NO 401k, no savings, no emergency funds, and having CC debt when we seperated in feb of 08

currently I have no CC debt, a car payment (mainly to try and rebuild all the damage my ex did with the credit cards), the house, and a fast growing savings, investment acct, and 401K plans.


Oh, and they ALL say it, but I firmly believe that whenever you get a raise (my income went up to 55yr and stayed there for +3 years, and is now 82yr), make extra money, or free up cash with paying off something - IMMEDIATELY put that into savings.

I have my bank acct setup to move a certain number into savings the monday after my payday every 2 weeks. when my younger son started kindy this year my daycare bill went from 240 down to 160. I promptly upped my biweekly transfer by 150 dollars.


I'm still living like I make less than 42/yr, and in the last err....3 years i've put away around 33% of my salary (if I average) each year.


I also made it abundently clear to my bank that while my accts are linked so I can transfer to savings I did NOT want what-you-call-it...where it'll transfer from savings to cover a purchase?

all the banks I've ever used would charge me a NSF fee, then a fee to move over my money from savings, etc. I'd been charged over 40 dollars for a cup of coffee because of this crud.


now if I make a purchase with my debit and the money isn't in there, my transaction is declined. I usually keep a pretty good buffer in checking, but my previous job I was travelling about a week out of every month and paying for tickets, hotels, and expenses out of my checking acount and waiting weeks (I quit beg of may and i JUST got my final expense check end of aug!) or months to be paid back. at one point my previous employer owed me 5K in expenses!

with all that travel sometimes I forgot or hadn't had chance to login and Xfer a bit over from savings to cover the added expenses. Sometimes I just needed the reminder to do so!


When I was still married our JOINT income was around 50K and i'd tell my ex i'd payed extra towards CC or something and not to buy *anything*. I am usually pretty good at keeping a running tally in my head of total and knew if I had 500 or 100 in my account +/- a few bucks. I'd login to our acct and find we had -300 bucks because of a handful of charges and a TON of nsf/transfer fees. I'm talking on a monthly basis. If I wasn't afraid it would cause my ex to snap and hurt me (which I had all rights to be paranoid about it turns out...he got quite violent since divorce/seperation and has attacked me several times since) I would have given him an allowence!


if you or your SO have issues with impulse control, setup accts or prepaid cards with $$ to cover gas and food and whatever like an allowence but any large purchases would need to come from another acct that you don't carry access around with you. Ie - master acount that has pay put into and you use to pay bills etc but doesn't leave the house unless you both agree on it beforehand. then smaller $$ either with prepaid cards or joint cards (for awhile paypal did debit type cards? not sure if thats the case now) with a fixed limit that should cover just your normal expenditures for 2w or a month.


Those are my big things. if I ever remarried however, I don't think i'd ever do a joint acount again. I think i'd take suze orman's suggestion of figuring out total bills and each person contribute a % of that total based on their income (same income = 50% each, one person makes less they pay lower %) to a acct that is used for joint expenses and then each person retains control of the rest of their income.

But I was burned :)

trekkingirl 09-19-2012 09:20 PM

If me and my DH had separate accounts I would have to charge him for childcare! Otherwise I would always be broke. He only keeps the kids for 10 hours a week........

lilacvioletiris 09-20-2012 03:45 AM

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orangemomma, I too liked the "peace" in "financial peace"


basylica, thank you for sharing your story.  It is encouraging to hear of other people making significant changes to their finances that make significant differences.


AFM, my trip to Las Vegas for a convention was great.  Except for the $13.99 to use the internet, the foundation people who financed the trip, took care of all my expenses while I was in Las Vegas.  I had to pay for food on the way there and on the way back, but I will get reimbursed for those.


On the twentieth of each month, I consider how much I have paid off $8355.63 since January 2012 - about $900 a month.  Makes me mad that I pay about $1800 in credit card and school loan payments, and only half goes to actually paying it off. I think I want to call the credit card companies and see if I can finagle a new interest rate so what I am paying in actually gets to pay on principle not interest.

Surfacing 09-20-2012 08:45 AM

subbing for inspiration

Am spending the afternoon making calls and have:

1) cancelled my monthly cell phone plan to make it pay-as-you-go so I can better control costs

2) added an extra $10 to each bi-weekly car loan pymts to make it pay off faster (and learned I can add extra payments at any time which go straight to the principal -- whether it's $0.10 or $100); the lady said it would cut back my repayment term by like 2 years!!! I don't see how that can be possible but if it's true, I will be a very happy camper! Then that freed up money can be used for other things like paying off other debts and/or increasing savings;

3) inquired about increasing my deductible for auto insurance to reduce monthly payments, but my policy renews in about 2 mos. so they told me to call back then.


Next I will see about transferring a credit card debt to a lower interest rate.


Inspiration Mamas!!!!


Sometimes I scrape together the children's outgrown clothes to take to the second hand store to make some extra money. Usually I get no more than $20 out of the effort. Makes me wonder if it's worth the gas.


I've tried selling some things on Craigslist before but with very little success.


I've sold some things to Cash Converters... that reminds me, I should go there again with a few pieces of jewellery. Sigh! But you gotta do what you gotta do.


Enjoying this thread, thank you mamas!

lilacvioletiris 09-21-2012 03:31 AM

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I need to get back to the ebay selling thing.  I made a couple hundred dollars this spring selling some clothing there. Every little bit helps.


My employer is changing my once a month pay day from the 20th of the month to the last day of the month (or the last Friday if the last day lands on a weekend).  I forgot to update my automatic savings deduction to reflect the new date.  Gonna have to be a bit more careful between now and next Tuesday with pay day.

orangemomma 09-22-2012 05:21 AM

Update: I changed my rate plan with my cell phone carrier - easy - but it is only going to save me $10/month. I will take it - just wish it was more.



The student loan repayment idea I had is at bit more of a challenge - I don't fit into any category for deferment or forebearance. Still trying to see if I can lower my payments another way.


Thanks for sharing your stories!

lilacvioletiris 09-22-2012 10:56 AM

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orangemomma, would you qualify for an "income based repayment" plan with your student loan? I know that helped me to deal with paying my housing and utility bills as well as the student loans.  Check into that and see if it would help you.


AFM, I have my work set out before me.  My 21 year old little brother has come to live with DH and me so he can get some support to go to post-secondary education and get qualified to do something more with his life than wash dishes at a restaurant.  Before Labor Day, we had talked on the phone about how much money he had saved to pay for college - $1500 he told me.  Fast forward 3 weeks.  My sister, whom he used to live near with a friend of hers, called and said that dear brother's (DB's) money would be on the way on Oct. 15.  Turns out DB gave $500 to a coworker to fix the coworkers's car days before DB left New York to come and stay with us and gave the coworker $200 for having carted him around in the coworker's car and then to top it off he gave the same coworker $300 "because he was trying to be a nice guy and the coworker asked him for money again".  He has since used up all but $2.31 of the $500 he had left in the bank on food and gas to get to Wisconsin to visit our mom and then get back to Michigan.


DB and I had a discussion last night about "don't be a sucker" and give other people money unless it is truly a gift and he never wants it back.  We discussed putting $500 in a saving account that is a different account than his checking account.  We also discussed why it would be better to have cash, than to use "foreign ATMs" and get dinged with $2 transaction fees.


DH took DB out to get job applications Friday (DB has been with us for 1.5 weeks).  Tomorrow DB plans to fill out job applications and take them back to the places near by tomorrow.  I also told him that he needs to fill out his Free Application for Student Aid (FAFSA) so he can get some grants and scholarships to go to school.  I think because he has no money he will qualify for the Pell Grant (which I think is currently $5500 per year).  Monday, he needs to take the college placement test at our local community college, get his high school transcript sent to the local community college, and print a bank statement with his new address so DH can take DB to get DB's Michigan Drivers license to prove residency to the college, so college isn't so expensive.


DB, DH, and I will be watching the Dave Ramsey videos together so all three of us are on the same page. Hopefully I can help my DB from making some of the foolish mistakes I have made with money and avoid repeating some of the foolish things he has already done with money.

trekkingirl 09-22-2012 06:15 PM

Is your brother being there going to cause issues with yall wanting to have a baby, IVF?

orangemomma 09-23-2012 10:37 AM

liacvioletiris; thanks for the suggestion - I may qualify. Based on last year's taxes -which is what they want as proof of income - I would not qualify for a reduced amount. This year I think I will be making $8,000 less which would bring my income down into the guidelines.


One of my part time jobs does not provide YTD earnings with each paycheck (family business). So I have to get my SO to talk to the accountant and get him to type something up. Then I can call student loan company and see if they will take my YTD earnings for both jobs for 2012 instead of my 2011 tax forms. Seems reasonable to me - but who knows with these folks!


Also wanted to say that you are a great big sister!


Good luck everyone!

lilacvioletiris 09-24-2012 03:45 AM

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trekkingirl, so far having DB around hasn't slowed my husband down on the TTC path, if you know what I mean. We told DB we would give him a place to live and food to eat but everything else he has to cover himself. The money for IVF is coming from a reimbursement DH is waiting for (theoretically this week, but I will believe it when it is in our checking account and on its way to savings for next summer). I am going to need as relaxed a time as possible and I have June and July 2013 off from teaching, we will have made significant dents into our debt by then and by the time a baby would be born DH's car payment would be gone (May 2014). If we get pregnant naturally before our IVF cycle next summer, which we are attempting each month even though the urologist says there aren't enough sperm to get me pregnant naturally, then we will take that pregnancy in a stride!  We want a little one of our own. We will see what happens with DB.


Yesterday, DB was on the ball - filled out 3 job applications to take back today, filled out college application, started filling out Free Application for Student Aid - but our mom was at work and we didn't know her mailing address at the time she filed her taxes to finish up the FAFSA.  Being a school guidance counselor has its benefits but it is tough to keep objective when it is my own DB who needs to get to college. When I and my other 5 siblings were in college, I was the one who filled out the forms.  When it came to the electronic signature at the end, I would call up my mom and read her the page and get her mission to sign it.  It has been 3 years since my last brother and sister finished their post-secondary education.  I am glad my DB was at least making an effort on filling out the form. One step at a time.  Like DH says, "better to have a 21 year old brother living with us, then to have a 40 something brother living with us. Let's help him get educated so he can be on his own and self-sufficient." 

trekkingirl 09-24-2012 10:52 PM

$2,758.31 in my house fund as of today! Seems to me that we are still a long way off from having enough for a house. We should have our pre approval letter by tomorrow and our realtor will start throwing out offers as houses come up. Where we live there are about 15 offers on a house the same day it goes on the market so this should be interesting. I am really excited but I sure wish we were able to pay off more debt before buying. Were just out of time. Houses are starting to go back up in price here. If we pay off our debts before buying they may be out of our price range by the time we get there.

lilacvioletiris 09-25-2012 02:50 AM

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Good luck trekkingirl on the house buying front.  That is pretty intense realty if a house gets 15 offers on the first day it is posted to the MLS.


Today is pay day!  Got about $50 more in my paycheck this month - not sure why, but I will see when the pay stub comes in the mail today and my DH got his prescription reimbursement so a bit extra there.  Need to save that medical reimbursement for the next round of his asthma meds.  Still not gotten his education reimbursement yet which is a huge chunk of money we will use for IVF.

dziejen 09-25-2012 04:56 AM

Originally Posted by lilacvioletiris View Post

  Like DH says, "better to have a 21 year old brother living with us, then to have a 40 something brother living with us. Let's help him get educated so he can be on his own and self-sufficient." 

I like your hubby's attitude, lilacvioletiris!  Sounds like a good way to look at it. 


We have another FPU class tonight.  Interestingly enough, we had our emergency fund all set up before the first class and then I got a flat tire on the way to work this Saturday(which led to two new tires) and dh's car had a big problem last night and he had to take the day off from work today to get the parts and fix it today.  Murphy's Law right?  We talked about this in class last week and how it is better to just have a car problem and not a car and a money problem and how it feels good to have the cash to be able to just fix what is needed.  So true.  A little frustrating though. 

This has been such a busy week here and we haven't found the time to do our "homework" for the class since we want to do it together and we've been working opposite times and falling into bed right after the kids/work but I hope we can get ourselves together before class tonight. 

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