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Thanks! I get paid every two weeks, and I’ve had a spreadsheet set up for years so I know what I am going to pay when (and deal with the occasional bad timing of bill due date and paycheck). So that system ensures I don’t miss a bill payment or overdraft my debit card, but isn’t much good at getting serious about sticking to a budget or more aggressively paying down debt. Mint ended up not really helping me, either. I’m going to try a few of the classes for YNAB because the way it works seems very different from what I’m used to (both technically and philosophically), but I do like their basic idea of knowing where your money is going so you can make better choices (do I buy that $20 t-shirt when I could put that money toward paying my student loan off early?). Money is dumb.

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