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DEBT MANAGEMENT TIPS

Refrain from using your credit to subsidize your income.

Keep an accurate record of your cash flow and expenses in order to stick to your plan.

Deposit part of your income into a savings account to meet emergency expenses.

Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).

Make the budget a family project. Everyone must be involved in order for it to work.