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Balancing Your Budget

Believe me, it’s a rare event for someone to analyze her expenses and find she is spending less than she should be! Like 99% of people, you are likely to be faced with the prospect of balancing your budget by adjusting things so expenses are equal to, or preferably less than, income.

Some ways of reducing expenses, such as reducing or avoiding credit card and bank fees, are covered in later chapters. In this section I present a few additional tips and suggestions for successfully balancing your budget by reducing expenses.


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