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We left off last time talking about making a budget, I know just building the budget can be difficult, keeping it will even be more difficult if you do not discipline yourself so be ready to stick to what ever you put down in your budget. If you make a budget and do not follow it then this will not work, you must follow your budget (and it is YOUR budget, you made it).

Before I go too far I have to throw a wrinkle into this for all you married folks like me, you have to do this as ...