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Your first task is to survey your personal finances. There has to be some aspects of the budget that after adjusted may help alleviate a number of the monthly challenges. For many people, food is the initial budget category which is evaluated. With multiple trips to the grocery store and eating out prices, it would make sense to look to cut back on food expenses. It might not be much of a surprise in the event you are overspending on food, but don't stop there. Look through all of your budget types. Another type that can frequently be trimmed down is entertainment. Cut down costs to free up extra cash.