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If you have created a list of your income and expenses (a budget, essentially), that includes room for impulse buys and big ticket items, and have discovered through a daily recording of your receipts and pay stubs that it is accurate, congratulations! Hopefully, you have also started putting aside a portion of your income into long term savings. You are ready for the next step.
If you have found that you over or underestimated in some areas, then make the necessary adjustment.
IN THIS SECTION
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