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jvin248 t1_iy9tafl wrote

Then trim off the tails ...

small expenditures can accumulate quietly into a massive drain: auto subscriptions like cable/phone, seemingly mild habits like Starbucks and 'smokes', make lunch from home (prior dinner leftovers are easy) not buy at work, cook at home.

On to the other end are the big ones: Rent (can you move/get a roommate), exchange the car for a cheaper car like buy used for cash, phone and phone plans I've seen some pay as much as a car payment.

What do you have around the house to sell? 'Simplify'. You will likely only get 10% of what you paid but that is penance for clearing the CC debt.

Remember: the CC debt % you carry right now will only go up with every Federal Reserve attempt at changing interest rates higher to squash inflation they created by printing cash.

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