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Step two is to make a monthly budget to do this you will have to get another piece of paper and put down all of your income and out goings e.g your wage and any tax credits ect are your income then you have to put down your out goings eg rent/mortgage utilities bills, food shop and any other expenses now you can see how much is left over. Now work out how much you can pay off for each debt but remember the more you pay off the quick you can say you are debt free.

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