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Tips for Living within your means

Ask yourself some of these questions:

Do you feel your finances are a mess?

Do you constantly pay late fees and penalties?

Are you often running out of money before your next payday?

Are creditors houding you?

Do you frequently bounce checks?

Are you thinking about declaring bankruptcy?

If you answered yes to three or more of these questions, then you are probably living above your means - spending more money each month than you bring home. Read the articles that start below for information and tips to curb your spending and debt habit, and how to live by a budget.

It's Elementary my Dear Watson
By Cheryl Johnson

You don’t have to be a financial wizard to solve this mystery. And you certainly don’t have to be Sherlock Holmes. You see it really is an elementary concept.
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Budgeting When Your Paycheck Varies
By Terry Rigg

How can you decide how much you have for bills and expenses when your paycheck varies from one payday to the next? That's a question a lot of people struggle with.
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Mr. Cheapie's Frugal Budget Tips
By David Leonhardt

So you feel like a hamster spinning your wheel? The faster you run, the faster the wheel spins. Just when you get a raise, you notice the price of hamster wheels jumps!
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