Understand the difference between
-a necessity,
-a worthwhile but not required upgrade (in terms of work done daily/weekly),
-and a luxury.
Budget categories 2 and 3 in a strict manner.
Avoid credit like the plague. Do not buy cat 2 and 3 items on credit, ever.
cn


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...still stand by my word, if you want to save money ditch ur cat 
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