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[QUOTE="Godslamp, post: 88847, member: 30464"] If you are struggling to handle your finances, then you likely need to create a budget; a plan for how to spend your money each month that is based on how much you typically earn and spend. A budget is your best tool to change your financial future.To start, write down your income and all your expenses, and then subtract the expenses from the income to determine your discretionary spending. [/QUOTE]
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