Let’s talk about a personal money makeover for you this year. This month, actually. Well, the sooner you start the better! Why? Because maybe you can’t control everything, but you can control the things you can. The best time to take more effective control of your finances is before everything around you goes completely bonkers. That ship, for many of us, has sailed. But the second best time is right now, while it’s still pretty wonky.
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