A written spending plan for your money that includes Giving, Saving, and Spending is critical to achieving financial freedom. There is nothing more powerful than planning your spending BEFORE any of the money ever shows up and BEFORE the month begins. To get started using these budget tools, I highly recommend that you first read the How Do I Budget series HERE. These tools require the use of Microsoft Excel.

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Thursday, January 14, 2010. My grandparents came to town for thanksgiving and I got to spend some quality time with my grandpa Bill Harris. One thing I learned from our time together is that joy is timeless. Even thou he is 55 years older than me we can laugh together and feel the same joy inside our souls. which I spent in depoe bay.

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