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Recognising you are in debt is the first step to get out of debt. Also think about gaining extra skills through training in your spare time or utilise existing skills to earn extra income. A smaller car and smaller house may be more practical to get out of debt quicker. Being more realistic about the lifestyle you can afford, means it will be more beneficial to cancel memberships and subscriptions that you can survive without. By making small changes to your lifestyle, such as reducing spend on non-essential items, you can make a significant difference to your bank balance. The following tips will help you draft a plan of action -.
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