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Pretty much the standard advice here. Look at what you spend your money on and see what you can cut out. Cell phone? Paper delivery? Dinners out/lunches out? Brown bagging a lunch four days a week and only eating lunch out occasionally saves money.

I might also add that you pay yourself as well and establish an emergency fund. Stuff happens to everyone. This way if you use that money for emergencies (and I am not talking about eating out, maintenance for car and medical visits, those should be in your budget) you won't have to use the credit card. Then you replenish the money missing from the e-fund.

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