So you decided that you are going to take back control of your money, get out of debt, and start living below your means. You're certainly not alone. But how's that going for you? If you're stuck because you don't really know what to do first, you may need a jump-start.

Start by tracking. This means keeping a written spending record for at least 30 days. Write down exactly where every penny goes. If you bring home $793.42 this week, ideally next week you should be able to account for every s ...

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