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  1. Implement a budget based on income and expenses.

  2. Understand your money habits (spender or saver?).

  3. Know the difference between needs and wants.

  4. Involve our family (control family spending).

  5. Have realistic expectations.

  6. Explore saving and investment opportunities available to you.

  7. Protection against unforeseen loss.

  8. Know the obstacles that make financial decisions difficult.

  9. Use professional advisors.

  10. Act now, don't procrastinate.
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