I've started Dave Ramsey's Financial Peace University. 90% of it is just common sense stuff. You know, if you can't pay for it, don't buy it. Lots of it is just behavior modification. Like making and keeping a budget. I've always balanced my checkbook and had a rough running tally. Yes, I even use that old fashioned thing called a register. But haven't went so far as to have an outlined budget so far. Should be a good habit.
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