Also saving money is like losing weight, exercising and eating a healty diet. Everybody can tell you that it's what you should do, but only you can actually make the decision to do it for yourself. Everybody here will cheer you on, but in the end, you must turn yourself around from a negative path to a positive path. Here's another carrot to dangle - your stress goes down a huge amount when you're not living paycheck to paycheck and you have an emergency fund in the bank.
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