Here’s a quote I read in a book today and thought I’d share:

“You have two ways to free up money for your financial goals: Making more or spending less. Neither one is better than the other, right? Wrong! If 18 percent of your income goes to state and federal taxes, then for every extra dollar you earn, you can use only eighty-two cents to pay off debt or save for the future. But if you can save $1 of your expenses, you can apply all of it to your debt or put it into savings or investments.” – Tere Stouffer, The Everything Budgeting Book

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