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Most experts agree — the best way to prevent or reduce debt is to develop and stick to a budget. Establishing a budget can help you increase savings, repay and reduce debt, prevent impulse spending, distinguish between a need and a want, and identify expenses that can be reduced.
Here are some resources to help you think about budgets:
- What percentage of your income should go toward housing, credit cards and other costs? Find out here.
- Get a FREE budget analysis from Union Plus Credit Counseling
- Personal budgeting tools
- Savings strategies
- Budget calculators
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