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️<unk>️<unk>️<unk>️  1. ️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️<unk>️ 2. <unk> •••••••••••••••••••••••••••••••••••••••••••••• 3. <unk> Identify areas where you can reduce your spending (eating out, gifts, etc.) • Identify areas where you can reduce your spending (eating out, gifts, etc.)