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Taking into account I'm from Australia, is TV really so bad in the US that Netflix is a need?
Also, I understand the act of donating money makes for a feeling of wellbeing. We will always donate to charity door knockers (St Johns, Surf Lifesaving, Red Shield), and if I pass a charity on the street looking for donations, i.e. rattling a tin, they'll get what's in my wallet. If you feel you need to do it, then all I can suggest is to trim it a little. Even $50 from that will make a big difference to your debts.
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