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Just be honest with the roomey and tell him you don't have the money. You can't squeeze money out of a rock. If it isn't there is isn't there! Dont' feel guilty about it either. You have enough stress on you right now.
Let me add that I have made it clear to my own family this year that I will not be spending much. I have bills and I just can't do it this year. No one complained!
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In order to be walked on, you have to be lying down.
- Brian Weir
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