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Things I tell people when I advise them on personal finance is that your plan to erase debt has to be sustainable for you. Unless you are bankrupted, drastically change your lifestyle to battle manageable debt is not sustainable. Do it slowly, small cutback (limiting 4 eatouts a month to 1 or 2 is sustainable; instead of spending 9k a year travelling, spend 4k) are healthy. It takes a bit longer to get there but you will get there. The plan only works if you can stick to it.
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