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Does any of this sound familiar? You work hard at your job, but you never seem to have enough money. You struggle to get a handle on your expenses. Your credit cards stay maxed out all the time.
It may seem that you'll have to work for the rest of your life... That you'll never be able to enjoy retirement down the road... That you'll never be able to live the life you deserve.
You've may have tried living frugally. And it worked for a while. You were able to pay off some debts. Maybe put away a little savings in the bank.
But you were utterly miserable and exhausted from the experience. You often missed the small treats that make life more fun and enjoyable. So after a while all good intentions to the side you went back to your old spending habits and you never looked back.
Your personal finances are running out of control, and you're scared. Scared for yourself. Scared for your spouse. And especially scared for the future of your kids.
Listen, I've been there too and I'm here to tell you there is a way out of this never having enough money trap.
What you need is a simple and easy to follow personal finance plan that will help you so that you can achieve big results through small steps.
The most common problem is people try to make big changes all at once. Your mind and heart will eventually reject them and you'll only feel like a failure.