ď śIf your cut-backs contribute to eliminating your debt debt, ultimately you will not live on a sparse, reductionist budget for long, g, because once you y have eliminated the debt, your monthly credit card bills will be gone, allowing you more liquid cash. Once that has happened, you will be able to increase your budget allowance for extras, extras but if you continue sticking to a careful budget, you can avoid falling back into the trap of lots of credit card debt and loans.
For Canadians How to Be a Great Money Manager and Stay Out of Debt
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