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penartist t1_iyaay65 wrote

You need a budget and you need to get rid of the holes in your budget. Get serious about paying off debt and only having necessary expenses. Drop the subscriptions, lower the tier on your internet, drop full coverage on the cell phone, sell the car with the big car payment and opt for a beater, shop around for lower cost car insurance, move to a smaller apartment, stop eating out, make coffee at home, cook from scratch, don't drink alcohol etc..

Bare bones budget.

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