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The Debt-Free Spending Plan by Joanneh Nagler

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To Cut or Not to Cut

Taking a Reasonable Look at What You Can and Can’t Afford

Most of us who are debtors will be overspending in several of our Daily Needs or Bills categories while depriving ourselves in others. We’re in debt, but we’re getting $200 haircuts and trying to scrape by on not enough food money. We’re getting $115 facials, and then not saving for much-needed new tires. We’re spending $800 a month eating meals out, and then debting to pay for our dry cleaning, our gym membership, or our kids’ school clothes. And this is where we’re going to have to get real with ourselves to make our Debt-Free Spending Plan work.

Our Daily Needs—and ...

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