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What has been the most effective thing you've cut out in your DFW quest?
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I haven't worked out any figures but....I have cut right back on spending money on clothes (that never suited me anyway) and going out drinking alcohol!
I really couldn't say how much this has saved but I would guess it is going to be hundreds per year.Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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