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If, after reading the above sections, if you see red flags waving or if you have tripped off a few alarms, stop spending money on all optional items now! What’s optional?
• Housing That Is Unaffordable
• Cable TV
• Alcohol
• Cigarettes and booze
• Illegal Drugs
• New Car Payments
• Dining Out
• Gym Memberships
• Expensive Gifts
• Big Vacations
• Entertainment
• Shopping
• High-end Cell Phone plans

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