If you could go back in time to one specific event or time frame in your life….and could change it….what time would it be and why would you change it? 

There are several events that come to mind….I’ve had some rough times…but don’t we all?  The first thing that comes to mind is the cliche’ answer : Everything in my life has made me the person I am, and I have no regrets….but it’s not necessarily true.  Sometimes I wish I could go back to my college years and didn’t get the credit cards I got back then.  I was so naive and didn’t know anything…I charged like it was going out of style….and um yeah now 10 years later…I’m still paying for it.  I remember the first Mastercard I got…right outside of my biology class….they were giving away a free t-shirt for a credit card.   I went out and bought a new stereo.   Needless to say I don’t have the t-shirt nor do I have the stereo and I’m probably still paying the interest on that card….sux!