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Money doesn't equal happiness

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Credit cards are dangerous.  Never charge more to a credit card than you can afford to pay off at the time of the charge.  Making minimum monthly payments will cost you three times the original cost.  Sometimes more than that.

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Save, save, and save. Buy what you need. Only buy wants when you have extra money.

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Make a budget and stick to it

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Do your best not to impulse, shop, and have to live pay check to pay check.