20%

A few nights ago, at work, I was having a conversation with a couple of the guys about finances. We were discussing the tendencies that people have to spend their money before they actually earn it. What I mean by that is, many people live their lives in debt. Their income would tell them to spend one way but their desires and spending habits push them well beyond that. My co-worker said, “the key to financial happiness is to simply live within your means.” Simply put, if you never spend more money than you actually make, you’ll always have extra. Continue reading “20%”

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