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[QUOTE="Chibson1, post: 324112, member: 99562"] Creating a budget is very important and necessary if you want to properly manage your funds. A budget is very important and necessary because it will always guide you whenever you want to buy things and you will not overspend. The major reason so many people end up spending a whole lot of money on some certain things is because they do not create proper budget. Another way in which you can use to manage your funds properly is to learn how to say no. This is very important and necessary because if you do not know how to say no to some certain things you will end up spending a lot of money. That is why discipline is important. [/QUOTE]
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