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How many times perhaps you wondered where your money went? An individual are like most, the answer to that question almost all too much. Rather than wondering what happens to your hard-earned dollar, write down every single purchase in a daily diary. This will help you to see precisely what you are paying exactly where there is you difficult earned money is going.

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Keep a journal, or track your spending with a personal finance program over a computer, certainly for 15 days. A financial journal is a very responsible step toward managing your money and avoiding debt problems in foreseeable future. I call this my 30 day challenge.

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