I think I have a pretty good plan for how to immediately lower my monthly expenses, get rid of debt, and make it so it doesn’t come back.

The first step was figuring out my total fixed expenses per month and then creating a checking account which a fixed amount of my paycheck goes directly into. I’ll pay all my bills out of that. Whatever is left over is my working budget. The next step is going to involve getting rid of my Apple Card.

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