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Living from paycheck to paycheck is a habit some people get into early. It's hard to get over that habit unless you create a financial plan—a budget that helps you live within your income and put some savings away for the future. A financial plan doesn't have to be complicated, but it does have to involve everyone in your family who contributes to your income or benefits from your paycheck. A plan will include setting your children's allowances, how often you'll go out to eat, and how to save for big expenses like college education and a house.
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