If you eat every meal out, buy only the finest home staples or make a habit of indulging your every gifting whim costs add., billGuard: Keep track of you spending by type, month and location.
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So, rather than instructing you spend on this or dont spend on that, today we are challenging you to get in the habit of tracking your outflows.
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Once you understand your triggers you may decide to switch to the more streamlined cash flow approach.