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| Identify. |
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Use your to divide up necessities and luxuries. If you can go without it, cut it. |
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| Focus. |
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Reflect on your . Learn to be content with what you have. Don’t complain. |
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| Save. |
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Resist the temptation of making irrational purchases. These will add up. |
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| Grow. |
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should be your foundation. Let God guide your financial journey. |
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