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Taking baby steps toward cutting your spending can have a big impact. If your goal was to run a marathon, you wouldn't expect to run your first marathon in a week. When it comes to debt, focus on little bits of progress. For example, continue ordering out, but skip the glass of wine and appetizer. Think of this as intentional spending. Be aware of what makes you happy and try saving by cutting out spending on things that are not contributing to that.

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