Basically you need to stop spending. Full stop. This is difficult. If we thought we needed something, and it was in the realm of affordability, we bought it. I been a notorious sale shopper, able to justify any item's purchase with, "But it was on sale!" This had to cease. Temporarily, I sated the urge to spend with stocking up in gifts for others. I overdid it on that too. Our mindset needed to make the shift to "Do I really need this?"
Case in point: my husband and I both still have flip phones. Before I became pregnant, I had planned to buy myself a smartphone, but it came down to the fact that I didn't need a smart phone. I was fortunate enough to receive an iPad as a combination Christmas/40th birthday gift. I use wifi where it is available. My husband works on a computer all day. We contact each other by email. We use our phones when we need to.
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