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@Young_Un
I haven't got credit - I have parents and a very understanding boss in a bike shop. And ok, I've explained that wrong, I got 1200 for christmas which has paid of the road bike. But the TT bike will cost 1800, but I haven't bought anything for that yet, so technically I'm not in debt. But I just say I have 3000 in debt, just to know how much I'm spending, and I like to brag :)
Peace Out