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Old 04-16-2008, 11:24 AM
CreditExpert CreditExpert is offline
$ Saving Fifth Grader
 
Join Date: Apr 2008
Posts: 45

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start by paying off your outstanding amounts, then sit down and draw up a budget, inluding the saving to ur EF as an expense. This way you will live within your means and you will
a) have a EF
b) not have any arrear accounts
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