Change may be hard, but the payoff can be priceless. In addition to improving your financial situation, you may also find your money management skills can benefit other aspects of your life.
I hear many people say they have never been good with finances and money. In many cases that is because we had not been taught about money. There is more education on finances in the schools now.
Its similar to changing any other type of habit, it will take small steps and soon you will be on a better path.
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