really there is not much.. I think we are products of our experiences and our mistakes.. but I wish I could go back and cut up those credit cards and tell myself that when I hit 33 I would want very much so to have a $2000 camera and some $1000-$2000 worth of extras for that camera.. and if I werent paying off old debts it would be much easier to save the money for it.
much much easier.
And while I was still too young to know what a credit rating was that I was really screwing it up. I might have explained that to myself. maybe i'd have made the same mistakes.. but i'd be making them knowing what I was doing.