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One option is refinancing. There are lots of great ways to refinance credit cards and student loan debt, for example. If you can lower the interest rate by just a single percentage point, it can have a big impact. In terms of saving, focus on little bits of progress. If your goal was to run a marathon, you wouldn't expect to run your first marathon in a week. For example, continue ordering out, but skip the glass of wine and appetizer. Try to practice intentional spending.

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