Start where you are. If you want to change your financial situation, you need to accept reality first.
List all of your debts, assets, and income. Taking inventory of your finances can reduce ambiguity and help you to make the most of your situation.
You need a clear picture of your starting point so you know what you're working with.
Set up a series of small, detailed goals that will allow you to transform your financial situation.
A budget gives you a feeling of control over your financial situation and the confidence you need to move closer to your goals.
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