1. Mike Vincent says:

    Great step-by-step advice. The only thing I would emphasize for most people looking for assistance and information on planning is first understanding their cash flow and setting a baseline as a starting point for the steps above. A simple review of your checking account credits and debits is a great start in understanding what, if any , wiggle room you have in your cash flow to begin chipping away at other debts and building savings. This is fundamental in getting started with a budget and gaining control over your expenses outside of already accrued debt.
    Thanks for the lesson!

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