Don’t spend the money you don’t have, to buy the thing you don’t need, to please the people you don’t like!

Do you find yourself spending more than you earn? Yet when you look back, you find that you actually spent that money on something that you could have done without. Worse still, you spent that money on someone you did not necessarily have to please. How can you avoid spending the money that you do not have, thus reducing incidences of overspending? Read on to find out.

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