The future is yours. it's up to you to make it what you want. “The consequences of today are determined by the actions of the past. To change your future, alter your decisions today.” ~ Anonymous The future is yours, you have to make it what you want.
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Analyze past spending by keeping records for a month. Determine fixed expenses then flexible expenses. Balance your fixed plus flexible expenditures with your available income. Keep records and write checks for everything important.