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{Everything is|Things are|It is all totally|Things are all|All things are|Things} so {apparent|obvious|evident|clear|noticeable|visible} in hindsight, {isn't it|is it not|don't you think|don't you find it|it's really|don't you think so}? {Some people|Many people|Some individuals|A lot of people|A number of people|Lots of people} {seem|appear|seem to be|look|appear to be|sound} just {naturally|normally|obviously|effortlessly|by natural means|of course} {adept at|skilled at|good at} {managing|controlling|handling|taking care of|dealing with|coping with} {finances|financial situation|funds|budget|money|financial circumstances}, {saving money|saving cash|spending less|conserving money|lowering costs|being economical} and {planning|preparing|organizing|arranging|setting up|preparation} their {future|long term|potential|upcoming|foreseeable future|long run} {months or years|entire time|years|time} {in advance|ahead of time|beforehand|upfront|before hand|earlier}. {A lot of|Lots of|Plenty of|A great deal of|Many|Loads of} {this information is|this post is} {passed down|passed on|handed down|transferred|inherited|learned} from {generation to generation|one generation to another|down the family}, {rather than|instead of|as opposed to|as an alternative to|in lieu of|rather then} {learned|discovered|realized|figured out|mastered|acquired} {in school|in class|in college|at school|in education|going to school}, {so if|therefore if|therefore|if|therefore, if|in case} {your parents|your folks|your mother and father} {weren't|were not|just weren't|wasn't|are not|were unable} {good|great|excellent|very good|beneficial|superior} {savers|saving bed}, you {likely|most likely|probably|probable|very likely|possible} {won't be|will not be|defintely won't be|will not|will never be|probably will not be} {either|possibly|both|sometimes|often|frequently} ({unless of course|except if|until|except|except in cases where|unless}, you {take the initiative|make the effort} {to educate|to teach|to coach} {yourself|your self|oneself|on your own|by yourself|all by yourself}). {Chances are|Odds are|Likelihood is|It's likely that|Itâs likely that|The chances are}, {we may|we might|organic beef|natural meats|we can|organic meat} {not even|not really|not|even if it's just|not just|truly} {realize|understand|recognize|comprehend|know|fully grasp} how {bad|poor|negative|undesirable|terrible|awful} {we are|we're|we have been|were|we're also|we've been} at {managing|controlling|handling|taking care of|dealing with|coping with} {money|cash|funds|income|dollars|capital} - {we may|we might|organic beef|natural meats|we can|organic meat} {feel like|seem like|think that|feel as if|sense that|find that} {everything is|things are|it is all totally|things are all|all things are|things} {happening|occurring|taking place|going on|transpiring|developing} {beyond|past|over and above|outside of|further than|above} our {control|manage|handle|management|command|regulate} or {that there's|that there are|there's|that there is|there is|that you have} {no way|not a way|absolutely no way|no chance|not a chance|ugh} out. {Here is|Here's|The following is|This is|We have found|At this point is} some {simple|easy|straightforward|basic|uncomplicated|very simple} {advice|guidance|assistance|suggestions|tips|information} {that will help you|that may help you|that will assist you|that will help|that can assist you|to assist you} out {in the real world|in real life|in person} {where|exactly where|in which|wherever|where by|the place} {money is|cash is|funds are|financial resources are|budgets are|finances are} {difficult to|hard to|challenging to|tough to|tricky to|not easy to} make but {easy to|simple to|an easy task to|very easy to|straightforward to|all to easy to} {spend|invest|devote|commit|shell out|expend}. {Rule|Guideline|Principle|Tip|Concept|Procedure} {# 1|Number One|Number 1|Top|Best|No . 1}: Only {borrow|be lent|use|acquire|access|lend} {what you can|what you could|what you might|what you are able|whatever you can|ideal for} {pay back|repay|pay off|settle|pay|payback} {within the|inside the|inside|from the|in the|while in the} {month|30 days|calendar month|thirty day period|thirty days|four week period}! {Remember|Keep in mind|Bear in mind|Don't forget|Recall|Try to remember} {getting|obtaining|acquiring|receiving|finding|having} that {first|very first|initial|1st|initially|primary} {credit card|charge card|bank card|plastic card|debit card|credit-based card} {in college|attending college|while attending college|attending school|while attending school|in class}? What {a sense of|a feeling of|feeling of|a sense|feelings of|sense of} {awesome|amazing|great|wonderful|brilliant|magnificent} {power|energy|strength|electrical power|electricity|electric power} and {freedom|independence|flexibility|liberty|overall flexibility|mobility}! You {sure|certain|positive|confident|guaranteed|convinced} could {buy|purchase|acquire|obtain|get|invest in} {a lot of|lots of|plenty of|a great deal of|many|loads of} {fast food|junk food|take out|fastfood|takeaway food|ready made meals}, {beer|ale|draught beer|alcohol|light beer|dark beer}, {text books|books} {and clothes|and garments} {with that|with this|your|achievable|to be able|start} - {all the while|even while|whilst|in the mean time|while|at the same time} only {paying|having to pay|spending|paying out|forking over|shelling out} 10{/|Or|And|Per|Versus}{month|30 days|calendar month|thirty day period|thirty days|four week period}! {Not only that|Not just that|Not only this|In addition to that|And also|Plus}, {but these|however these|however, these|these|nevertheless these|but the} {kind|type|sort|variety|form|style} {blokes|men|guys|fellows} {were|had been|have been|ended up|were being|ended up being} {raising|increasing|elevating|boosting|bringing up|rearing} your {credit limit|borrowing limit} {several times|many times|repeatedly|more than once|a couple of times|once or twice} {a year|annually|per year|12 months|each year|1 year}, {trusting|having faith in|trustworthy|relying|relying on|believing} you with {more and more|increasingly more|a growing number of|a lot more|an increasing number of|progressively more}. 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