“I'll track my spending in order to cut it”
You can use a sheet or online tools to see where your money goes each month and find places where you can cut back. Evaluate every possible expense to see the possibility to reducing it. Small changes like eating out less, taking metro, cutting your phone and internet bill, will make a big change in your bottom line. Consider getting rid of a second car, downsizing to a smaller home, or moving to a place where the cost of living is lower.
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