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- first, I'm going to venture to increase my regular payments at least twice this year. I'm currently on track $300/mo, for starting dissemble my paycheque in January I'm going to augment that to $400/mo and therefrom halfway through the year ensue it again to $500/mo. I have to do this in steps now I'm not sure how to make stable work just yet, but I'm hoping by tracking my spending from now on I'll mean able to bargain the deeper capital and wean myself onto fresh responsible ways of using my money. 68. Donations!