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To Spend or Not to Spend?

I have always struggled to be fiscally responsible in life.....live within my means and all that.  Well I have had it, it is high time to get it under control.  Until now it hasn't stopped me from doing what I wanted but now I am interested in making investments into real estate and that requires me to have under 40% service to debt ratio. 

If I made more money that would be a breeze, but reality says I don't so here I am.

I have watched episodes of Til Debt do us Part and read articles on the web and so far came up with the following 2 ideas to get me started. Do you have ideas that worked you would like to share?

My big weakness is eating out and I think that comes from working in restaurants and hotels for almost 20 years, it almost became ingrained.  So the plan is give myself cash weekly and that is my spending money.  The other thing I found that may be helpful is to have no spending days, I will try 10 per month.  On this plan I am not going to have money to eat out, it will have to be a treat as it should be not a way of life.  Today is Day 1 of no spending for this month.

Stay Tuned and see how I do......there will certainly be a lot more cooking at home and staying at home.....

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