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Advice:
* Avoid credit. I have a credit card but I pay it off in full every month to avoid interest rate charges. Too many people seem happy to give banks 18%+ interest.
* Limit personal spending on entertainment. I used to be happy to go out every single weekend and spend $100-$200. Add that up and you are spending away $5K-$10K every year!
* Don't gamble. You might win when you gamble, but when you factor in the losses I can guarantee that you will usually end off with a negative valued "winning"
* Don't smoke. Apart from giving you cancer & emphysema, a box of cancer sticks costs about $10 nowdays doesn't it?
Having said that I don't own a house, and given the choice between a relatively cheap APO refractor and a quarter million dollar house (which seems entry level nodays) I'd go the house.
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