One of my pet peeves is allocation of non investment budget. How much house and car should you have as apposed to how much you can afford. I see too many people strapped due to excess in these two areas.
I'm also a big fan of save and pay cash, it is kinda the abstinence over condom mentality. I feel much safer having cash in the bank as appossed to an payment when trouble comes.
These are likely just options in your debt management catagory.
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Marcus Tullius Cicero:
The budget should be balanced, the Treasury should be refilled, public debt should be reduced, the arrogance of officialdom should be tempered and controlled, and the assistance to foreign lands should be curtailed lest Rome become bankrupt. People must again learn to work, instead of living on public assistance.
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