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2. Control your spending
The best weay to acheive this is to set yourself a budget. At the start of each month assign a certain amount of money aside for different types of expenditure such as travel, food etc and stick to the limits.
3. Cut out unecessary spending
A couple of coffees a day from Starbuck soon adds up. Work out how much you spend a year on such items and you may be surprised and incentivided to start making coffee at home. A great way to understand where your money goes each month is to write down exactly what you spend every cent on for one month. Everything you buy, write it and the cost down. Then at the end of the month assign each item into categories such as Food, Socialising, Travel etc. You'll soon be able to find where you can save money.
4. Make some additional income
Naturally the greater your income the more future lenders will be willing to lend you. If you can earn extra income you will increase your chances of borrowing more on a reasonable rate.
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