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Welcome to my world. What I do is bring my breakfast and lunch to work now, and prepare my dinner at home. I have cut out going out on the evenings and weekends. If I do go out, I plan for it in advance so I know I will have cash on hand to do so. I don't use my credit cards anymore unless it's an absolute emergency (I was at the mall and felt like buying something trendy is NOT an emergency). Also, I have $200 from each of my paychecks directly deposited into a savings account at a bank that I have difficulty getting to, so I don't dip into it. You'd be surprised how much you save just not eating out. I make sure all my bills are paid first before I take any other money out to spend on anything. Also, I have come to the realization that I am a Social Worker and I am on a limited means. Some of my friends make a lot more money then I do and can afford to go on fancy vacations and blow $100 in the NYC bars several nights per week. That is not me, and I am not going to try to live like that is my lifestyle. I feel that this is why so many people never have $$$$$ for anything--trying to keep up with others who may or may not have $$$$$ either.........
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