^Brian, just join it now. You know you want to. Going into a spiraling debt isn't as bad as everyone makes it out to seem, it's just media hype
Pshh, if I had any credit cards or could get a loan, I wouldn't hesitate! But, I lost my job right after the NE trip and still don't have one, so credit cards, loans, and everything else that has to do with money is pretty much out of the question. I'm barely paying my bills. I'm still hoping the lottery comes through, haha. If I were to win Mega Millions, I'd join every TPR trip!