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No one is saying that the way you're doing things is wrong. They're trying to get a better understanding of your situation. If everything has worked for the past 11 years, what has changed that is making you need more money (hence, the question about being in debt)?
There were a few suggestions given, and there are multiple fundraising threads on the forum. Do some digging.
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*does side bends and sit-ups*
*doesn't lose butt*
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