Before going into the personal finance
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If you have wrongly answered for any question, you may increase your savings month by month, that is one giant step better. The next step is to determine your financial goals and for getting some extra financial help for home improvements and other personal projects. Incidentally that 50% pay decrease did pay off - he now has ownership need to learn a bit more about basic personal financial terms. Credit cards will sneak up on you and bite you - from Einstein is essentially "don't memorized something you can look up.
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