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DEBT MANAGEMENT TIPS

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

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

Refrain from using your credit to subsidize your income.

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

Act your own wage!