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should I tip or not?
Studying success is good if you can find a way to apply it to your problems. If you can't, it's just entertainment.
I got out of debt not by Suze, Dave or Robert approach. I simply paid more than the minumum and cut out a little entertainment. It took me a little over two years. During those years I was not on a budget. Whatever was left after debt payments and living expenses. I lived on the rest.
As I was getting of debt, my income was also increasing through other sources