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At 18 years old, I moved out of my parents house and into a 2 bedroom apartment with 3 other girls. Although rent and utilities were split between 4 people, I was constantly broke. So whenever I had money, I would spend it on things that made me happy and forget how broke I was. Then I would regret that I didn’t save any money and I ended up feeling embarrassed and helpless. I knew I wasn’t going to be able to say no to happy hour with friends, or spending on luxuries like new clothes or salon visits. So I started to get creative.