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Posts Tagged ‘mo progress’

Monique’s July Challenge: Master of My Domain


My July challenge was to decide on a new name for my freelance business and register the domain name.

And I did it!

It’s such a small thing but in reality, this took forever to accomplish. For the past seven years, my freelance biz went by Monique Elliot Media. For a while, I liked it: it’s a super simple name and super clear.

At least that’s what I thought.

It’s a pretty meh name for a freelance journalist and content creator’s small business. It reminded clients of my actual name, told them that I was a one-woman shop, and… then told them virtually nothing about the services I offer. “Media” is simply too broad. And kinda boring.

I had to admit it: I was one of the 71 per cent of Canadians who knew “not much” about domain names, according to a recent research by the Canadian Internet Regulation Authority (CIRA).

Well, no mo’ of that! The work I do is anything but boring! I’ve worked for startups, scale-ups, corporations, and government departments across five industries and counting.

Fresh Ideas, Fresh Content, Fresh Start

My challenge, which I chose to accept and then push to the back burner about 12 times, was to choose a name that defines my business, will grow alongside my services and skills, and suit my personality.

The most hilarious thing was that I came up with the perfect name nine months ago – I just didn’t know it. I was building a website as a short-lived online resume for a potential employer and used the hashtag #ContentChameleon to describe my services – I can write in a variety of “voices” to suit my clients’ needs.

I was going through old projects recently (okay, okay, I was doing a digital clean up and reorganizing old files. Who actually reminisces about past projects?) and found a screenshot of the site.

The Lightbulb Moment

It’s a total cliché (and, in my opinion, totally permissible alliteration) but the lightbulb went on:

Now, depending on when you read this, the website may or may not be fully up and running, which is why my placeholder site is a lifesaver in the meantime.

I spent literal days trying to decide on a name – something unique, that hadn’t already been registered, and didn’t cost crazy cash to buy. The most epic solution had also been chilling in plain sight: I went to to purchase my domain name with a .ca ending.

I recently edited a series of articles for CIRA through my work with non-profit Startup Canada. The series profiled Canadian small business owners (SBOs) about how a .ca suffix improved their businesses online.

While I can’t believe it took me so long to finally complete this challenge, it doesn’t have to be the same for you. Check out CIRA’s free e-book about how to choose a domain name and some basic information about how to get started.

Mo’ Progress, Mo’ Hydration!

Now, my August challenge? Mo’ hydration!

I don’t know if you’ve realized this yet but Canadian summers are HOT.

I’ve been steadily increasing my water intake all summer (a telltale sign that someone doesn’t have A/C) and August promises to be extra hot and humid in Ottawa, despite all the rain we’ve been getting. So my goal is to drink three litres (just shy of a gallon) of water every day.

Why choose drinking water for this month’s challenge? August is World Water Month! Plus, I want to see if there is an actual difference in how I feel now compared to the end of the month. I feel like I’m on the verge of big changes, and it’s important to maintain basic health and wellness while going for epic changes professionally, mentally, and (obviously) physically.

High fives and good vibes,

Monique 🙂

Gwen’s July Challenge: Save 50% of What I Earn (And Attack Debt with It)

What an epic month!

This past July has been one of the best months of my life. Here are a few reasons why:

  • I’ve officially been living on a plant-based diet for 60 days. I feel more healthy and vibrant than ever.
  • I said ‘I love you’ for the first time.
  • I lived within a budget I created for the first time in my life.
  • Overall, I’m appreciative of where I’m at and excited for my upcoming goals.

In July, I also discovered my new money ‘guru.’ I discovered Dave Ramsey’s teachings. Dave is a financial expert who went bankrupt in his 20s, which prompted him to dedicate the next 25 years of his life learning finances and teaching others to thrive by living within their means and paying off debt. To quote Gabrielle (the youngest Sisterpack member), “He is a (financial) savage!” Essentially his teachings make you want to eliminate your debt with ‘gazelle-like intensity’ and he’s absolutely no-nonsense when it comes to making your budget.

This leads me to my July challenge: spend 50% of my income on my debt. I’m happy to say I achieved my challenge and spent 57% of my income on debt (this even includes interest on debt as well).

So how did I do this? Here is my six step plan:

1) Face my financial reality head on.

I put all of the money I owed as well as my monthly expenses and income on an Excel doc to see where I was really at. Let’s be real: it can be scary af to be honest with yourself, realizing how much you owe and how long it will realistically take to pay off. It was definitely a wake-up call to see, though it was also inspiring to finally have concrete numbers.

2) Create a goal.

Since my goal was to spend 50% of my income on debt, it was a very black and white goal. I knew what I wanted. Surprisingly, I hadn’t done something like this in the past, which is probably why I haven’t felt like I’ve made much progress lately.

3) Do the math.

After facing my financial reality and setting the goal, my next step was to do some simple addition to figure out if I could consciously pay 50% with the lifestyle I was living. After doing the math, it turned out that 68% of my income was spoken for if I lived the same way that I did in June. So I decided to hack away at expenses. I lowered my grocery budget, restaurant and ‘miscellaneous’ budget and that got me into the right range.

4) Create a budget and use a system to track your spending.

I started the month using to track all of my spending and make a budget. Though after discovering Dave Ramsey, I decided to start using his free site and app to track spending. I absolutely love it and am obsessed right now. I checked in almost daily to try to live within my means.

5) Tell those you trust.

It’s challenging to scale back your life and live on a budget. So I’m at a place right now that I am very open that I am attacking debt and will not be going out and spending a lot. Luckily, I have created a group of friends and my family get it and have been supportive of my goals.

6) Watch motivational and educational content whenever possible.

I mainlined Dave Ramsey’s YouTube videos. I watched examples of the joy that people felt when they paid off their loans. I learned from people’s mistakes and remembered to have compassion for myself for where I’m at. This all helped me achieve my goal.

I am SUPER proud to say that I accomplished my July challenge and am more committed than ever to pay off all debt.

My August challenge will be interesting. I’ve decided to use the ‘envelope method’ and actually carry cash and pay in cash. I will put my budgeted money in specific envelopes and only use that to pay! I haven’t used cash in a very long time, so I’m very interested to see how this will go!

Thank you so much for reading!


Gwen’s March Challenge: A Meatless Month of March?

I’m dating a vegan.

He is quite wonderful, and often shares with me about his lifestyle and the benefits of not consuming meat products. He truly cares about what he puts in his body, and has an incredibly high level of compassion for animals.

His commitment to his lifestyle is truly inspiring. As I watched him, I thought, could I do this? Would I even want to be vegan?

The truth is… yes. In the past I have dabbled in altering my diet to be less animal-heavy. When I used to live in California a few years ago, my landlord was a hardcore vegetarian and didn’t allow meat in the house. I saw this as an opportunity and decided to go vegetarian (vegan wasn’t even on my radar back then). At the time, I had limited nutritional information. I soon realized I was eating my weight in bread, cheese (and donuts) to combat the feeling of missing something. Needless to say it was unsustainable and I ended up petering out and going back to meat. (The first thing I ate was a meat pie. OMG).

Flash forward to now… I have actively taken an interest in nutrition. I know of things like quinoa and lentils and tempeh and tofu… sources of protein that can replace meat.

So when I heard of the ‘Meatless March’ challenge on Instagram, I thought I’d try it out! Not only was I hoping to feel mo’ progress health-wise, I was also interested in saving a few bucks (as meat typically costs more than vegetarian options).

WEEK 1 & 2:

OVERALL: I gahdamn crushed it. No cravings for meat. No interest in meat. I was flying high on success.

FEELING: I realize I started a ‘diet’ at the same time I started a new job. At the end of each day, I felt quite drained, though chocked it up to the fast pace of my new lifestyle and learning so much each day that my brain needed a break. I also realized towards the end of week two, that although I wasn’t craving meat, I was eating waaaaay too many grains and my stomach kinda hurt most of the time.


OVERALL: I missed meat. I was proud of myself for giving it up, but at work (where we have catered lunches #yesiknowimlucky) I was sad to pass by the chicken and fish.

FEELING: I felt like I was missing out. I also realized I would feel hungry almost right after I ate lunch. This was a bizarre feeling. I realize I started eating more sugar, and reaching for things I never ate before like Pop Tarts and Diet Coke to fill a gap of cravings.


OVERALL: I caved this week. There was one day where I felt like complete poop. I felt sooo drained of life force energy. I tried everything. Water. Coffee. Fruit. Meditation. Walks. Nothing I could think of was helping to alleviate the drained feeling. I figured I was missing some serious nutrients (probably Vitamin B). So late in the afternoon that day, I went on a mission to get some meat. I got chicken shawarma and ate it alone, while trying to bring my body back to life.

FEELING: A little defeated, but proud of myself for doing whatever it took to feel a bit better. I don’t know if it was subconscious or what, but as soon as I ate that shawarma I started to feel life coming back into me.


OVERALL: I hadn’t succeeded in the challenge, so I ate meat once or twice this week.

FEELING: This week I suffered from a major burnout at work. On Week 4, I started to feel some serious pressure at work (all self-imposed of course) and it led to burning out this week. It kinda felt like adrenal fatigue. I couldn’t drink coffee without wanting to yack. I felt truly exhausted on every level. This doesn’t have to do with meat, I don’t think… I just believe it has to do with so many changes happening in life and me ignoring the small signs to take better care of myself.

To sum up, I was unable to successfully complete my meatless March challenge, though I’m incredibly proud of myself for living almost entirely vegan for 20 days. My hat is definitely OFF to people to live life this way. It’s definitely an adjustment and take quite a bit of self-compassion when you give into the cravings.

If this challenge interests you, I recommend starting with Meatless Monday or taking meat out of one meal a day before going alllll in!

Thank you for reading and happy eating!


Monique’s November Challenge: Digitizing your dollars

My November challenge was to take another step towards digitizing how I manage my money.

And I did it!

It may sound super simple, but I downloaded an app that is linked to my bank account, showing me what I’m doing with my finances at any given time.

Yes, I know that by now, everyone and their great-grandparents have online banking and apps but I resisted.

I’d already signed up for online banking and that was a no-brainer. But why was I resisting using an app (which I have already used more than I ever thought I would) when it is essentially the same thing?

Ever since I got my first cell phone when I graduated high school, I continuously told myself that I wouldn’t be like “those people” who were attached to their phones. You know the kind: people who get articles written about their phone addiction in big feature write-ups because they now have neck problems or carpal tunnel syndrome, proving that ours is an anti-social, digitally-obsessed, and never-present-in-the-moment generation.

A good number of my friends who had that obsessive love for their phones were often the ones in my friend group who didn’t listen when we were all hanging out, instead buried in the minutia of Facebook or Twitter updates or interrupting conversations for texts that weren’t urgent. I saw all this and was horrified at the idea of getting too attached to my phone too, lest I develop habits that I felt ruined many otherwise beautiful moments.

So I resisted.

And eventually got the Facebook app to scroll through during my long commute.

And resisted.

And then signed up for Instagram.

And resisted.

And now live-tweet events that I attend (for fun!).

And eventually caved.

And what did I learn?

Downloading the banking app was, to me, the final step that showed I could open the digital door and make my mobile device work for me instead of against me.

I’m still not super keen on updating my life in real time on social media and my personal brand as a freelancer could definitely use a lot of work thanks to that mentality. But by making these small changes, I am hopefully moving from the category of late adopters to early majority when it comes to innovations that can make life so much more comfortable and convenient.

All that being said… if you have a smartphone, download a banking app stat! It’s a convenient, super simple way to keep on top of your finances and remind you of your savings goals.

Going into the final month of 2016, it’s a good time to remind ourselves of what we have accomplished all year and where we need to refine our strategy and goals for the future.

My December challenge is going to be tying up the financial loose ends of 2016. This means looking into what subscription services I no longer need, maybe renegotiating my cell and internet plans or chasing down clients who haven’t yet paid their invoices.

All this may be easier said than done – so many changes have happened over the past year with major leaps forward and a couple missteps along the way. Here’s to ending 2016 on a high note!

– Monique

Gwen’s November Challenge: Sugaaaaa begone!

I am a couple of weeks away from testing for my orange belt in Krav Maga. Krav is a self-defense system developed for the Israeli Defence Forces that focuses on judo, boxing, and street fight training. Let’s just say it’s an unexpected obsession.

To become really good at Krav Maga you much become mentally prepared as well as physically. I was noticing that I would get nervous before classes sometimes and literally want to eat sugary foods to simply deal with the stress. And as you can imagine, eating a bunch of donuts before working out doesn’t usually end too well.

My November challenge was a sugar-free month. I wanted to curb my donut eating habit (which was becoming a ‘latte factor’) for more mental clarity, feeling better overall, and to save a few bucks!

My goal was to kickstart getting back into healthy eating by cutting out added sugars from pastries, bread, and alcohol.

Here’s a link to a documentary that got me interested in cutting back:

One of the ways I wanted to cut back was by tracking my eating on One Sweet App.

I’ll be honest, I realize I don’t like tracking things on apps. I’m inconsistent with looking down at my phone so many times a day to reflect on what I ate. So that strategy didn’t work.

The great thing about this challenge, is although I didn’t have a donut-free month, I only bought them once (the day Trump was elected)… which is a clear reminder that I lean on sugar for emotional support.

I found that this month, I ate at home way more times than I ate out. This was tremendously helpful in cutting back on junk food overall. And in moments of sugar weakness, my go-to was dark chocolate, so it wasn’t as bad as breads and cakes.

I am proud of the progress and am going to keep it going in December. It feels great to have less sugar in my system.

My December challenge is going wi-fi free. That’s right… I’m pausing my home Internet access for the month. I am fiercely committed to being present and not ‘numbing out.’ This year I’ve gone on challenges to be alcohol free, sugar-free, getting in the zen zone, and now cutting out unlimited Internet, in an effort to be more present. I was finding that I was starting my day in a terrible way by watching YouTube videos or mindlessly scrolling on Instagram when I first woke up. So at the end of this month, I will share my discoveries on what life is like when I don’t have unlimited access to entertainment and am forced to be more creative to have fun! Wish me luck!!

  • Gwen


Karyn’s October Challenge: #Adulting

When I think of becoming a “real” adult, I picture my parents. Memories of them sitting at the dining room table and doing their bills, going to their jobs, making sure my sister’s and I got to school, you know typical adult stuff. I also remember them scheduling appointments for me to go to the doctor, the optometrist, and the dentist.


Now that I’m on my own it is up to me to make those appointments. The thing is… I haven’t.


I only recently got my eyes checked because my prescription was so out of wack I couldn’t really see anymore. I haven’t been to a doctor since 2009 and I don’t really ever want to go (I seriously hate people touching me). Unfortunately, due to getting a hammerfist to the side of the jaw at my Krav Maga class I had to visit the dentist. It turns out that I had broken one of my wisdom teeth and needed to get it removed.


Yep, I still have ALL of my wisdom teeth. And now at the ripe ol’ age of 25, I was finally getting one removed.

Not only do I hate the dentist with a fiery passion, since I think strangers putting their fingers in my mouth is gross and uncomfortable, I have also been postponing this visit because of my financial situation. I don’t have benefits and the thought of paying the full price for someone to root around in my mouth was a horrifying thought. I also am currently low on funds due to the jerkwads at H&R Block, so paying for this tooth extraction seriously frightened not only me, but my bank account as well.

I tried to ignore the red-hot pain that was the open nerve endings in my mouth but I knew that I had to get it fixed.


I finally bit the bullet and had my tooth removed. It took an hour of my time and a hefty chunk from my wallet, but in the end it was well worth it.



(Yup, that’s my tooth!)

For those of you who are like me and hate having people prod around in your mouth, I totally understand why you don’t want to go. BUT, please do not wait an eternity like I did and miss out on using benefits (either your own or your parents’). I now understand the importance of regular check-ups!

Next on my hit list… the doctor 🙁

Wish me luck!


Gabby’s September Challenge: You Snooze, You Lose

“You don’t have to want to get up, you just have to do it.” -Patricia Adson


For the month of September, my goal was to not hit the snooze button on my alarm clock once.


There’s something I love about the idea of being a morning person. Waking up with the sun, taking my time getting ready in the morning, making a healthy breakfast… the list goes on.


But my problem is I loooove sleep so much. And I know it sounds silly, but I’m really good at it. I can sleep anywhere, anytime. It doesn’t matter if it’s noisy or there’s too much light. It truly is a gift.


At the beginning of the month, I even kept a sleep diary and wrote in it every morning for about two weeks. Looking back, it’s interesting to see why I was hitting snooze. For most of the month, I had a seriously terrible cold that was so bad I’d wake up in the middle of the night suffocating because I couldn’t breathe. And then there were moments where I just didn’t want to get out of bed and face the day because I couldn’t see an end to my crazy work schedule.


For me, the most important part about this challenge was being honest with myself. That, and forgiveness for not nailing it right away. I’ve been wanting to wake up on the first alarm since high school. I was obviously biting off more than I could chew to begin with, but I’m going to keep trying! The first step is the willingness to want to make a change.

In my research, I found an article from Entrepreneur that included tips on how to be a better morning person in only five minutes. I’m really feeling steps 2, 3, and 4.

I’m honestly excited to see if I can finally reach my goal of becoming a morning person. While this won’t be my challenge for October, it’s something I’m going to actively work on.

My October challenge, on the other hand, will be to grow my own herbs. I wonder how much money I waste buying herbs at the grocery store when I could be growing them at home! And considering I have quite the green thumb, I’m rather excited to see how it goes 😉


Keep it real,



Gwen’s September Challenge – Mo’ Progress with Meditation

“The quieter you become, the more you can hear” – Ram Dass

My challenge in September was to meditate daily. I wanted to take on this challenge to make more progress to be a better human.

I feel like I am my best self when I feel generous, kind, happy, open, and helpful. I haven’t felt like that a lot this year (as I let the fear hold me in a virtual headlock) and it’s been challenging to not know what to do about it. Meditation seemed like it could help with calming down and trusting everything will work out… so I went for it!

I have meditated on and off with apps before, though this time I decided to use the app. It’s fantastic. There’s a free version for timed meditations and you can pay for different tracks or membership levels if you wish.

Over the month of September, I meditated for 19/30 days.

Screen Shot 2016-10-05 at 10.51.38 AM

So I didn’t hit my goal, though I did have a few major breakthroughs (okay and breakdowns).

I found that some of my worst days all year was the streak between Sept. 21st to Sept. 27th. Why? Looking back, I realize I got into a state of analysis paralysis in almost all areas of life. And then instead of meditating to calm down, I went to junk food and it kept getting a bit worse. Though that is life… and I realize at least it was just a few days and I was able to bring myself out of the funk.

I realize that when you decide to step up in life, when you start to slip up it feels even worse. Think of exercising. Once you get into a streak you feel on top of the world, but then if you miss a few days, you start to feel terrible. It’s the same with meditation in my experience.

So I’m going to keep this up and have already gotten back on the meditation train this morning!


I hope you join me in trying meditation for yourself. It’s truly the easiest thing to get started with and it’s 100 percent free!

For my October challenge, I’m going to go for it again and aim to meditate twice a day for 30 days. I’d love to see how life improves with a commitment to twice daily getting in the zen zone!

<3 Gwen


Passive Income: The Future of Getting Paid

“Woohoo! I just made $700!”

I heard an entrepreneur say this to me while sitting in the audience of a conference. She was literally just sitting there, when she received a message from PayPal that someone bought her product. No effort required.

If you’re wondering: how the heck did she do that? The answer lies in the new (and clearly exciting way) to get paid: passive income.

Passive income is “income received on a regular basis, with little effort required to maintain it.” This is the opportunity that is becoming more mainstream and possible at any stage when you create an online business.  

So what are some different ways to earn passive income?

Sell an eBook or eCourse, an online meditation, your music, a software product, become an affiliate of an online program, or have a sponsor of your podcast or blog series, to name just a few options.

Also, there are tons of entrepreneurs who share about how to create this new stream of income. Below are three amazing entrepreneurs who are killin’ the game with passive income streams.

1. Pat Flynn
Pat Flynn is the founder of Smart Passive Income. He has an amazing story of going from making $38,000 per year to multiple millions. Learn more about his story on a Forbes article here.

2. Amy Porterfield
Amy runs a highly profitable online business, and one of the core ways she makes passive income is with online webinars teaching entrepreneurs how to use Facebook for their business.

3. Gabrielle Bernstein
Gabrielle is an author, speaker and entrepreneur. Gabrielle sells quite a few passive products from her meditation downloads to her monthly membership subscription called ‘Get More Gabby.’

Truly, the sky is the limit with this opportunity.

Are you currently making passive income? Or do you have an idea about how you want to start?

Share in the comments below!

<3 Gwen

Gabby’s July Challenge: How I Haggled My Way to a $77 Phone Bill Refund

Hey beautiful people!

So my challenge for July was to try and haggle my phone bill down a bit. Currently I’m paying $97/month for unlimited call time and 1G of data, plus all that other good stuff. Seems like a lot, right? Yeah, it’s insane.

As a loyal Bell customer, I simply told them that I would love to know if they could reduce my bill because $97/month is a little steep. I’m a student, and I’m going to have to pay OSAP fees soon. Just tell them your situation – it helps if they can relate.

The first girl I talked to was really nice and helpful. She said the best they could do was lower my bill to $65/month (WHAT? IT’S THAT EASY??) but I’d have to pay out the rest of my contract, so it would be better for me to wait until my contract is up and call them back to discuss the same deal in 3 months. Cool. I can deal with that.

TIP: Keep a record of your calls. On an Excel sheet, write a detailed description of who you talked to, what you talked about, and what they said they could do for you. That way, if you call back in 3 months to inquire about a bill reduction, you’ll know exactly what was said and can go from there.

So for kicks, I asked if there was anything they could do right now to reduce the bill. She mentioned I’ve been paying $7/month for a phone protection plan, and they could stop charging me that to make a bit of a difference. When I first signed off on an insurance plan about 20 months ago, I was told that if my phone was broken or stolen I would get a brand new replacement phone for free…which is the only reason why I opted in.

Sidenote: Don’t get insurance. It’s not worth it. Unless you’re really clumsy with your phone.

When I was talking to her about it, I asked for a quick refresher on what I’m getting out of my insurance plan. She told me if it was broken or stolen, I’d have to pay a fee for the new phone.

WTF. That is NOT what I signed up for. I mentioned that to her and she transferred me to the Insurance Dept., who then transferred me back to Customer Care because dealing with these fees are not in their department. Sigh.

So I called Customer Care back, explained my situation, waited on hold for 20 minutes…and they hung up on me. THEY HUNG UP ON ME. I called back, frustrated at this point, but still managed to be polite. I once again explained my situation and was told the best they could do was reimburse me for 3 months.

Not good enough. I went on hold. He told me that “I’m actually really lucky” because Bell is the only provider that will give you a brand new phone. I said that’s great, but I was given false information with the impression that I would be paying $7/month to get a new phone if needed, free of charge.

I went on hold again. He said the best they could do was reduce it by 50%. WOW. Clearly 3 months wasn’t the “best they could do.” At this point, I’m pretty happy, but I want to see how far I can push this. I once again explained my frustration, asked to speak to his supervisor, who also told me the best they could do was 50%. While I appreciated the 50%, I said I would love to go down to 75%, otherwise I’d like to be transferred to the Customer Retention Department (aka where people go to leave the provider).

He put me on hold, threw a bunch of logistical information at me like, there is a limit they can’t pass, something about reaching a threshold, and that he could add one more month onto that 50% for a total of a $77 refund. While it’s not 75%, I’ve been on the phone for 2 hours. I’m done playing this game, so I’ll take what I can get.

SUCCESS! I was reimbursed.

All in all, I’m looking forward to a $65 phone bill in 3 months, which is pretty exciting. If you don’t ask, you’ll never receive!

Tips for haggling phone bills:

1.) Stay calm and polite. These people deal with shitheads every day and they are just trying to pay their bills too, so try to be a decent human being. It will also make them want to help you more.

2.) Be firm. Go in with a goal in mind and stay focused on that goal. My goal changed when I realized I was paying for something I didn’t sign up for.

3.) Read your contract and know what you’re paying for. In my case, I mentioned how a Bell employee misinformed me and that I should be able to take the employee’s word, which worked, but you won’t always be able to get away with it.

4.) Realize that you could be on hold for 20 minutes, hung up on, or get transferred to the wrong department. These things happen, so try to keep your schedule fairly clear, because these things take a while.

5.) If you’re not a loyal customer, chances are, they won’t give you the moon. I’ve been with Bell for over 4 years and I still have to haggle like there’s no tomorrow.

6.) Know what other providers are offering. Call them up. Tell them you’re thinking of switching and ask them what they can do for you!

For an amazing reference, look up Ramit Sethi’s 6 Powerful Telephone Scripts here!

What are you paying for a phone plan? Any tips you swear by when it comes to negotiating? Let us know!

Happy haggling,
– Gabby

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