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If you want to take control of your cash, there’s only one answer: Make a budget. That means figuring out what’s coming in and what’s going out each and every month—before the month begins. I’ve been doing this for over 30 years, and I’ve helped tens of millions of people get out of debt. The way you do it is a written plan—there is no exception. You cannot outearn disorganization. You have to live on less than you make. Have a plan. Be intentional. It hasn’t got anything to do with your income.
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