Christmas is over, we have celebrated the New Year and now its time to review your spending. Do you have a budget? Did you go all out with spending and now you cringe when thinking about the bills to come? Don’t stress over it, the damage is done. You need to start fresh in the new year and get things under control. If you don’t have a budget, it’s actually much simpler then you realise. Follow this link to learn how to set up a basic budget http://ow.ly/scdyV
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