Reduce your cost of living
For making a budget with things such as groceries and transportation, track the costs you had over the last months to know how much extra you usually spend on and then figure out a way to reduce that cost, there needs to be a lot of adjustments to be made.
As for things that aren’t as necessary, like a magazine subscription or a club membership, simply get rid of them.
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Start Prioritizing Expenses with Timed Intervals
When you face problems with repaying debts, it can either means that your extra expenses are too high or your salary income is too low. Since it is much easier and safer to cut down on the extra expenses than to find a better and more rewarding job, you should always prioritize the necessary stuff.