Not just January, but for the whole year we all need to make sure we are making smart spending decisions. Financial help may be a possibility from the middle to end of the month on into February and March… bonuses, extra work, extra income, etc. Back to spending… make sure that what you send your money on this year, are things that will make a difference in your life. A financial restriction will come in 2020 and we will be happy that we made those better choices for 2019!
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