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Most folks are about as happy as they make up their minds to be.

~ Abraham Lincoln

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Budgeting by Hierarchy of Needs

What were really talking about here is budgeting. And you can take a look at any number of credit counseling services or financial guidelines that give you guidance about how much money is prudent to spend on various financial needs. But none of the . . . (to read the remainder of this article, please log in below.)
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