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... eft for their respective places of work, leaving James behind at home.

"Now, the day begins," James said, as he brought out his phone.

The first order of business for the day was to pay off his credit card debts and some apart of his student loan.

The reason why James wants to pay off the two first was because they were the easiest.

Also, since he can't choose between spending and not spending his rebate-eligible funds whenever he spends money, he decided to take ...

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