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The art of personal financial management is about budgeting, spending and saving financial resources over time. It begins with a financial plan, which helps you see the bigger picture, and set long and short-term goals for financial freedom.
If you are an employee, then one of your major cash inflows is your salary. This means that the financial decisions you make will determine how much your pay cheque will do for you. The following are six pitfalls to avoid.
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