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[quote=Anonymous]I like YNAB. There are way you can reduce some costs by buyer cheaper versions of what you currently buy. For example, I switched from a coffee and wine subscription service to buying that at costco for less - not giving up coffee and wine completely. Ramit Sethi also says there is a limit to how much you can cut but limit to how much you can earn so you could also consider a side hustle, etc.[/quote]
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