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Over 200 years ago, Ben Franklin let out the secret to wealth: spend less than you earn. This idea is both a philosophy and a practice. Let it guide your decisions about spending and saving and you’ll find yourself gradually getting ahead and closer to your goals. Don’t fall into the trap of believing that any debt is a normal part of life or that living within your means is a passé idea.
GET IN THE HABIT:
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TRACK YOUR SPENDING FOR ONE MONTH. | |
CREATE A REALISTIC BUDGET, INCLUDING ROOM FOR FUN AND SAVINGS. |
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TO HELP CONTROL SPENDING, USE CASH MORE THAN PLASTIC. | |
FIND LOW-COST OR FREE WAYS TO HAVE FUN. |
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ALLOW YOUR INCOME TO STAY AHEAD OF YOUR LIFESTYLE. | |
GIVE YOURSELF A MANDATORY WAITING PERIOD FOR ALL NON-ESSENTIAL SHOPPING. |
