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DEBT MANAGEMENT TIPS

Act your own wage!

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

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

No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.

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