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Christina B.
This is my 1st time trying to save and budget money seriously. I've always said I could if I really wanted to but in reality…it's so hard. I've never really been motivated enough to do it until now. My main problem is I don't know the 1st step(s) on doing so and going about it. Does anyone have any advice or suggestions for a beginner with bad spending habits? I appreciate anything! Thanks!