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DEBT CONSOLIDATION HELP
Self-Help
Developing a Budget: The first step toward taking control of your
financial situation is to do a realistic assessment of how much
money you take in and how much money you spend.
- Start by listing your income from all sources.
- Then, list your "fixed" expenses - those that
are the same each month - like mortgage payments or rent,
car payments, and insurance premiums.
- Next, list the expenses that vary - like entertainment,
recreation, and clothing. Writing down all your expenses,
even those that seem insignificant, is a helpful way to track
your spending patterns, identify necessary expenses, and prioritize
the rest. The goal is to make sure you can make ends meet
on the basics: housing, food, health care, insurance, and
education.
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