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A Clear Guide to Making a Budget
Gary North

Budgeting is essential to getting out of debt. It's not a one-time operation. You must adopt a budget and stick to it.

Where to begin? This is as good a place as any:

http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/Your5MinuteGuideToBudgeting.aspx

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