budgetYes, yes and yes.   If you want to get out of debt, you must know how much you bring in, how much you need to pay your bills and how much you are spending. It is often very surprising to people when they find out how much they actually spend on “junk”. The key is to reduce your spending so you can allocate more of your money to paying off debt.  Instead of eating lunch out everyday, bring your lunch a few times a week.  Take the extra money saved and apply it to a bill.  Download Free Monthly Budget

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