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I could cut my eating out budget. I don't eat out daily, and I don't even spend a lot when I do. I know I could pay my debt off earlier if I cut that. But I figure I've cut so many other expenses that if I want to have this vice, so be it. At least I go into it with my eyes open, knowing how much faster I might pay things off if I used that money to snowball into my debt, but I still choose to do do it this way.
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