charity purchases 2025-11-18T11:16:35Z

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That crumpled credit card statement felt like a personal betrayal. Twelve months of groceries, gas, and impulse Amazon buys had yielded precisely $3.20 in rewards - barely enough for a stale cafeteria coffee. My fingers trembled as I shredded the paper, the metallic whir of the shredder mimicking my internal scream. Plastic rectangles worth thousands, yet functionally inert. Until Thursday.

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Rain lashed against my bedroom window at 2:17 AM when the panic hit - that metallic taste of adrenaline flooding my mouth as I realized the mortgage payment hadn't processed. My trembling fingers left sweat-smudges on the phone screen while frantically switching between three banking apps, each demanding different authentication rituals. Then I remembered the crimson icon buried in my utilities folder - Coop@pp, installed during last month's financial shame-spiral but never opened. What happened

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