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Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected expense comes up and busts our budget.
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The first step to avoiding the troubles of financial debt is to
create and maintain a budget. It's not as intimidating as it
sounds, don't worry.
First off, create a list of all your monthly income and also a
list of your monthly expenses. When determining income, list all
sources including alimony, child support, side jobs, etc.
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When you apply for and receive a credit card, you will want to take the time to create a detailed budget for your family’s finances. Without a budget, and without carefully planning the credit card expenses, you could fall into the credit trap that many individuals have found themselves in. Swimming in a
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