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stick to a budget (read all 3 entries…)
step one - what is a budget

I honestly have no idea. I’m going to use pearbudget. I know I have enough money to pay my bills – which is better than most people I’ve encountered…but I’m not to sure what goes where, what is friviouls, what is necessary, etc. This should also help me save for a house and lower my debt to income ratio.



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