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How to Set Meaningful Financial and Frugal Goals for Yourself

Many people – myself included – like to use the month of December as a time to reflect on personal goals, both the ones that we’ve been working on throughout the year as well as ones that we might embark on in the future. Most years, I wind up setting several goals for the upcoming year and, if they’re planned well, I end up finding some level of success with almost all of them.
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