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[QUOTE="Good-Guy, post: 186837, member: 29109"] It is a really nice article. I also like the things mentioned in the third step. Many people just become too emotional and they tend to buy things that are not really necessary for them. In this article, it has been stated that a counselor could be needed in order to manage expenses and create a budget. However, most of the time, a counselor could do nothing until or unless the person who is seeking counseling actually makes a plan and uses his or her willpower to save money. [/QUOTE]
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