You've all probably heard "pay yourself first." I tried that, and it doesn't work for me. If I pay myself first, I always end up being overdrawn. So I tried "pay myself last and avoid being overdrawn." True, there's not much left, but if there's ANYTHING left the day before payday, I am happy and stash it away. Better to save $20 the day before payday than to take out $100 ON payday and end up overdrawn.
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