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I’ve been trying to get my finances in order for a while now. Right now, I’m juggling a few credit card balances and trying to put aside some cash for emergencies. It feels like every month I’m just scraping by, and saving anything extra seems impossible. I’m trying to keep my budget super tight - cutting back on dining out and unnecessary subscriptions - but it’s tough when unexpected expenses pop up. I’m aiming to build an emergency fund of at least $1,000 to start, but I’m worried about whether I should focus on paying off my cards faster or save a bit more cash on the side. Has anyone been in this spot and found a good balance? Also, what small habits helped you stretch your budget without feeling completely deprived? Any apps or tricks that actually stick would be great to hear about.

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