Holly Johnson
                                
                            
                                August 20, 2022
                                
                                     •  4 Minute Read
                                
                            
                        
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                Lowering your expenses isn’t always easy. To really cut your spending, you may need to take some uncomfortable steps in your life – steps like using a budget for the first time, giving up expensive hobbies like going to bars or dining out, and avoiding situations where you’re tempted to spend.