Sound personal finance is all about habits. The no impulse habit, earn extra habit, no procrastination habit, and to crown it all, the discipline habit. While some people have successfully managed to stick to their ‘save more’ and ‘settle debts’ resolutions, some broke them the moment January set in. Only when you turn away from old habits do you realize the true benefits of savings. Remember that ‘bad habits are like a comfortable bed, easy to get into but hard to get out of.’Here are some ugly
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