In Europe, I used to go out with friends and had lots of things to do.

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"When I go out to dinner with my friends and no one stares at me or asks to be moved to a table further away from me, that's a good day, " she says.

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From gas for my old Honda (a hand-me-down from my grandmother), to movie tickets for nights out with friends, I learned how much money I would need and what I could go without.

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