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Being on a budget takes discipline but it doesn't mean you have to give up the things you love. In fact, it can help you stretch your money further, giving you peace of mind in a tough economy. Think of a budget as a spending plan that you control. It's a tool to help you decide in advance how you will divvy up your earnings each month to pay your expenses. By plugging spending "Leaks," like that second latte, you'll find money for the things you really care about.
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