<p>I want to reassure you that spending your hard earned money isn&rsquo;t a wrong activity, however, there is something that should be taken more seriously than spending&nbsp;and that is saving for your future.<br />
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As you spend, you&rsquo;ve also got to realize that you need to save for a rainy day.&nbsp;If all your material posessions were to be taken&nbsp;away from you, would&nbsp;you still be alright?<br />
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If you have been spending a lot and not saving, it may take a while for you to make the necessary adjustments with your finances, but if you are resilient and proactive, the steps you will find in this book&nbsp;will be of great help.</p>