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DEBT MANAGEMENT TIPS

Refrain from using your credit to subsidize your income.

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

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

Make your spending habits consistent. Large expenses should be pro-rated over a period of time.

Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).