Sacrificing working moms that we are, we may give up purchasing little pleasures when faced with paying down debt like credit cards (oh, those holiday gift tallies!), student loans and the mortgage. Happy reality check: A few bucks a month for a few creature comforts may help you reduce debt faster, says Patricia Seaman, spokesperson for the National Endowment for Financial Education (NEFE). It’s like a diet—it’s easier to stick with it long-term if you budget some calories for the occasional treat.
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