Debt like time is a funny thing. I don’t know about you but when I was 15 getting to 16 took FOREVER!! Then 18. Holy Guacamole Batman time seemed to crawl. 21? Forget about it. By the time I was 21 I already had two little ones and trying to make ends meet. I tried all the tricks like sending the phone bill payment to the electric company. (APPARENTLY in the 80’s this was common, cause they caught on QUICK!) I clipped every single coupon I could find. Then someone thought it was a great idea to give ME a credit card!??! (Pfffftttt that was dumb!) I’m a Giver! I…