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Substitute Habits

Another way to cut spending is to use the substitution strategy by replacing an expensive habit with a less expensive one. Substituted habits that are similar in some ways to the previous habit are the easiest to learn and keep.

Once you have a better understanding of budgeting techniques, you may want to review your student loan repayment options. Call us at (866) 497-8723 to put together a long-term plan for successful repayment of your loans.