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RE: How To React to an Unexpected Bill - A Lesson in Perspective
I like option 5. Take a step back from your situation and realize that you don't have to be a part of the system. Create your own! However, having been in option 1, it can be very difficult.
Without sounding too hokey, I like the Dave Ramsey snowball method. Start with your smallest debts and work your way up. Telling the others to buzz off. !!