Re: Help Needed
For the social/entertaining stuff.
You do not need to keep up with the Jones. If you do, you are ruining your credit.
Go to the library and get movies from there. Invite your friends over for the night and play a board game instead. You can make up some cheap spaghetti and sauce for under $5, if they want wine they can bring it themselves.
Take the bonus that you are getting at the end of the year and sock it right towards the debt.
It is a one day at a time thing.
Good luck!
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