Personal Budgeting to Financial Freedom

Most people, most of the time, feel like their money is just slipping through their fingers, unaccounted for. Do you experience those same feelings? Do you wonder why it is that you got a raise last year, but still seem to be scrimping by? Where did the year-end bonus go that was supposed to pay down debt? Why are the credit card balances growing?

STOP

• Living paycheck to paycheck
  
• Going into debt
  
• Worrying about your money
  
• Putting off retirement
  
• Overdrafting your accounts
  
• Arguing with your spouse
  

START

• Paying cash for purchases
  
• Living on less than you earn
  
• Getting out of debt
  
• Investing for retirement
  
• Making your money work!
  
• Working with your spouse
  

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