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  Determine a start date
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  Determine how much
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  Put aside $375 a month
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  Save for 24 months
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  Pay all debt off
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  S- I will save to pay off my debt.
M- I will put towards $375 a month.
A- I will save a higher % of my check to cover this.
R- I will save for 24 months.
T- More than 12 months to achieve this goal, long term.