Dear Reader,

I like to think of Dave Ramsey as the start of this whole zero based budget craze. I’m not sure if he actually was but I guess at this point it doesn’t really matter. Below is a link to a book that got a lot of people to rethink their financial practices. So maybe you might want to check it out. This is not an endorsement, I just want you to try different financial methods and find the one that’s right for you.

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