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Reply to "Should we take out HELOC for emergency expenses?"
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[quote=Anonymous]Do you have a monthly budget, written down (either in Excel, on a white pad, etc) before the month begins? And then how do you track if you stick to it? Actually budgeting and then tracking that you stick to it - either through Excel or a program like Mint or YNAB - is a really fast way to reign in expenses before you do anything more significant. [/quote]
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