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All Secrets submitted by DEBBER149
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For my family, I make out a monthly budget of all monthly bills (such as mtg, groceries, credit card, utilities, etc). Start by making a monthly template and each month it is easy to stick to what needs to be paid (mtg, child care, car pymts, food, etc) I have found by doing this I have paid down or paid off bills quicker and still have money left over at the end of the week and month. Also make sure you list money placed in savings as a monthly "expense" so you build up your fund.
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