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There's no better tool for managing your money than a budget. Looking over your monthly statements from Online Bill Pay1 is a great way to get a handle on where your money is going. Also keep a diary of how you spend ATM withdrawals to understand your cash habits. If you're planning a shift to one income, save up an emergency fund in advance. Especially when there's only one income, your family needs a fallback in case the main wage earner loses his or her job.
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