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YNAB: As A Philosophy 

That name is everything it should and shouldn’t be isn’t it? It’s direct, brazen, in your face, clear as day. But then again that’s exactly what you need with a budget right? You need to know exactly what you have, where it’s going and why. You also need to know

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Get Real: Debt Payoff Strategies That Work

When it comes to debt payoff there are few things that matter more than having a plan. So it stands to reason that one of the first questions that must be answered is: “What’s the plan?” Luckily, there’s nothing new under the sun including paying off debt. There are four main

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Temptations, Impulses and Money Matters

I love shopping. It’s completely true and I own that. Having a solid, considered budget makes shopping even more fun because I know when I stick to it I am spending according to my goals and future plans. Spending from my grocery budget makes food even tastier. Spending from my

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Planning for the Fast

Analysis In preparation for my spending freeze I’ve been working on my budget. Right now I spend nearly as much on debt each month as I do on rent and food. That’s upsetting. I could be saving so much more! Travelling! With all that I’m spending on debt repayment I

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Black Friday 2016

It was January 2011 when I first received a record of earnings from the Social Security Administration. According to that letter I had already earned over $100,000 in my short time of working. One hundred thousand dollars!  Amazing, right?! Should have been amazing. I was a college student with minimal debt