Once you get to know what the actual problem you can make a plan to tackle your financial situation.
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When you think you have lots of time to pay off your debts, that only burdens you with the more financial crisis in the future.
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Don't use cables if you can't watch tv, because the average bill of cables is expected to be around $200 a month.
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When you don't pay your credit card bills on time you need to pay interest rates and late fees.
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You think that you have a good income and you can afford everything, so you need to be realistic and buy only what you really need.
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In the US the average person spends around $483 on a new car, but your total car expense should be 10% of your monthly income to afford it.
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You think little amounts don't add up but when you deposit $100 in your bank next year it sums up to $1200, and it's better than zero.
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Always know what you want and what you need, suppose you need a car but is it mandatory to have the latest one, and ask yourself will it help in saving?
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