Put Yourself First Start Saving Now Many people are jubilant if their expenses equal their income, but in the long-run it will be difficult to save and invest unless your disposable income exceeds your expenses. Like a diet, budgeting only works in the short-term if it involves deprivation. In addition, many people find immense frustration if they must delay satisfaction (purchasing the things they feel they need or want) for so long that their budget

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