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Budget Planning – Free Download

Hello, Readers.   In response to multiple requests and comments, I have put together a commentary on how I handle my personal finances.   While I cannot advise anyone on what to do, I can note that I have no debts to speak of and have a credit score of 821.   Find out how I achieved that with this free no-obligation download.   Perhaps a little forethought will make your holidays and the coming year more peaceful for some of you.

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