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Ahhh, always a challenge, and I share your challenges with managing finances. I like the "jar" suggestions. Another suggestion on the same vein but with respect to saving money is to take say 10 per cent of your income and sock it into a savings account. And, (here's the part i find most difficult) DON'T TOUCH THAT MONEY! Let it build momentum and then, once you've built it up, you can withdraw for a real emergency, or to pay down a debt. That's my two bits
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Jan 28, 2011