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Start Saving for Emergency A crucial part of staying debt-free is to get a fund that you’re able to touch just in case of emergencies. Start tracking where your hard-earned money is going and search for areas where you are able to reduce costs. When you can deal with your money successfully, you can allocate money to attain future financial targets. In case it comes down to not having money for those essentials, then look at borrowing from a relative or a fantastic friend. Statistically, the more cash you earn, the more cash you’ll spend. If you don’t learn to manage what you’ve now, earning more money isn’t going to address the issue.