Pooh, honestly you need a budget that will:
1) show you where you are heading financially
2) how you can save and the impact each decision to cut costs will have on your budget and the speed with which you can pay off your debts
3) how to manage your cash flow so that you can juggle all of these expenses without overdrafting your account
4) help you build the discipline to stick to your budget
All of this advice is worthless if you fail to make necessary changes and if you can't find a system that works for you.
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