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need vs want- decide what is necessary on a monthly basis, ie household goods, food, insurance, etc. 

then think about yearly variable purchases like clothing, maintenance for vehicle, home repairs, etc. 

after, make a budget based on these expenditures, be sure to include a monthly savings component and a portion for "fun" expenditures- can't be too strict. 

you will then know where your money is going and make informed decisions based on this knowledge.

posted 2 years, 6 months ago
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