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Your creditors and lenders aren't aware of the fact that you are availing financial aid from the government.
If you find creating financial spreadsheets a task that is a little to advanced for you.
"Hoping" for your luck to finally change, or "waiting" for your ship to come in, is NOT a financial plan - it's simply a dream.
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Extra income can also be increased by doing extra seasonal tasks like collecting leaves in the fall or clearing snow during winter.
Savings are allocating money into saving accounts is an important step in financial planning process.
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