Money can be a blessing and a curse. The more we make, the more we spend. Our monthly financial obligations can turn into a ‘handcuff’ against making desired life decisions. “I can’t change careers because I can’t make what I make today.” “I don’t have enough spare money to cover cost of the course I SOOOOO want to take.” Starting with a zero budget and analyzing every cost as needed, wanted, necessary (or plan to reduce in future) is a great exercise and digging deep in what really matters.

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