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Making a financial plan and establishing a monthly budget might be the two most important traits of financially savvy people. ... List flexible and recurring expenses and loan payments. Step 3 ...
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In the United States, a flexible spending account (FSA), also known as a flexible spending arrangement, is one of a number of tax-advantaged financial accounts, resulting in payroll tax savings. [1] One significant disadvantage to using an FSA is that funds not used by the end of the plan year are forfeited to the employer, known as the "use it ...
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For each debt one would list the current balance, finance charge per month, the minimum payment per month, and include a blank column for the "actual" payment. The amount of the actual payment would be determined from one's spending plan, after subtracting necessary expenses and the amount of money required to support a reasonable quality of life.
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