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Find out how Richard paid off $40,000 of debt

Family Balance Sheet

Firstly, I was offered a better-paid job but needed a vehicle to get there, so I took out a loan to buy one. If it wasn’t absolutely critical, I didn’t buy it. That is to say I focused my efforts more on *not* spending money, than on finding ways to buy the same things for less, if that makes sense?

Debt 100