I am so terrible with this!  Every time I have an extra $50-$100 lying around, it magically disappears a few days later.  My mindset is, “Oh, extra money… Perfect – shopping!”  I need to start setting money aside and saving.  I have no “oh sh&*” money, for any accidents or unexpected expenses.  I need to pay off my credit cards and then, my Sallie Mae account needs to start beefing up.  This is another easy resolution that just requires some focus.


**Progress & Tidbits**


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