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Over and over again, in budgeting articles and even books on personal finance, I see sample budgets that include debt repayment as if it were an expense. This shows a fundamental

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The '80s brought us hair metal and spandex — and a super expensive way to enjoy all the things we take for granted today.

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Making big financial change requires vision, commitment, and inspiration. Here are 21 ways to stay the course and meet your goals.