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5 Tips to Manage Money Smarter

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5 Tips to Manage Money SmarterThere’s more to managing your money than paying your bills and successfully avoiding overdraft charges (although those are definitely steps in the right direction). Effec

How to Create a Realistic Budget

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How to Create a Realistic BudgetA budget is one of the most important financial tools in your arsenal, but budgeting isn’t one size fits all. In order to be successful, your budget should reflect your

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