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BUDGET TIPS

	Don’t spend more money that you earn
	Work out what are your fixed costs and variable costs
	Most importantly when you spend money on your credit card – remember this is still your money you are spending
	Remember your long term goals are going to take time –making a plan means you have identified them and you know you are working towards them
	Avoid impulse purchases – delay your spending and think about your need for an item
	Recognize the difference between needs and wants – ask yourself “do I really need this?” More importantly “where else could I spend or save this money?”
	Understand how small but regular expenditures impact your savings – (magazines, coffee, lunches, sports and energy drinks etc)
	Understand that paying off debt is saving – the goal is to be debt free