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spend below your means - Google

from Living Well Spending Less®

5 Surefire Ways to Get Your Budget Back on Track

Spend too much over the holidays? It's not too late to turn things around! Don't miss these 5 surefire ways to get your budget right back on track for the New Year!

PB Prayer Sandwich. Bread is opening and closing, jelly is thanks (we want a LOT!) and PB is asking for things we need. - Little LDS Ideas