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Close your eyes and think of one thing you dream of one day it a Maserati? A house? A car? A boat? How would you pay for it?! For bigger items like the stuff we dream of (and for some day-to-day stuff too) we rarely have enough money in our pocket from one week to the next to simply go and buy it.

We have to plan for it.  We either put aside a small amount each week or month until we have enough saved to pay for it, or we borrow for it, and pay the loan back each week or month.

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