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start with a budget
 
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Do the Math. Add all
income.
 
 
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Get a Budget.
Download the
free apps:
Mint
Wally
Everydollar
 
 
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Inventory Everything. Use
FLP worksheet to track expenses
and monthly
spending.
 
 
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Make the Changes.
Break habits
Start a side hustle
Be Creative
Learn new ways
to save
 
 
 
 
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https://www.smu.edu/Perkins/Admission/Affording-Seminary/Financial-Literacy