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One Year to an Organized Financial Life: From Your Bills to Your Bank Account, Your Home to Your Retirement, the Week-by-Week Guide to Achieving Financial Peace of Mind by Russell Wild, Regina Leeds

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WEEK FOUR
Take a Fresh Look at Your Expenses
This week, you can
• Begin to create a budget
• Create a safety net
• Work toward your saving goals
THE WORLD SEEMS TO BE DIVIDED into two groups when it comes to a budget: those who can’t live without one and those for whom it’s one more item on their to-do list. Math was never my favorite subject in school, but I have discovered something wonderful about numbers as an adult: They don’t lie. You always know where you stand. This week, we embark on creating a preliminary budget, the culmination of the financial groundwork we’ve been laying this month. I think you’ll find it gives you a sense of security.
Budgets, like everything in life, shouldn’t be rigid. If they are, they tend to be ignored. In April, ...

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