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Taking action can be the hardest part to the entire process. Just getting started is what stops most people dead in their tracks, content with wishing and blaming their situation on anything else. Truth is, if you never take action, you can't ever get past the wishing stage. So how do you get started? You need to first state to yourself that you will take action. Action is what will be required of you to make your financial goals a reality. Next, you need to discuss your plans with someone else. It can be anyone, whether a partner, your children, a friend or even a co_worker. Telling someone about it gives you accountability towards your goals and doesn't let you off the hook for it.

So, what is mad money and why is it so important when creating a budget. First of all, mad money is a certain amount of money that is set aside in the budget for yourself and your spouse. This money can be used by each party for whatever he or she chooses. For instance, if the budget does not allow for a month facial, the woman in the relationship could take her fun money and get a month facial if she so chooses

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