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Can you downgrade in these areas or use websites like airbnb. com to turn this liability into an asset. Look at your transportation costs.
Be sure to choose a used car over a new one and think about public transportation or car pooling. Your goal should be no car payment and minimal housing expenses. Another large expense is debt. Carrying debt is expensive, with interest rates, charges, fees, penalties and annual dues.
Figure out how to pay off your credit cards and other loans.