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You can spend ũ값 a month on your "wants" based on that ū귔 you're bringing home each month. You might consider doing without a few things and shifting some of this money to your "needs" column if you're coming up short there_not necessarily indefinitely but until you can get your needs down to a more manageable level. Remember, you still need 20 percent left over so you can save and pay down your debts according to the 50ቺተ plan. Now you have 轜 left, that last 20 percent. You know what to do with it. Pay down on debt, save for an emergency, and plan for your future.

You might spend more on "wants" than you think. A threadbare minimum of warm clothing is a need. Anything beyond that, such as shopping for clothes at the mall rather than at a discount outlet, qualifies as a want. Yes, the rules are tricky, but if you think about it, they make sense.

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