It can be difficult to know where to begin when planning for the future, especially if your finances are already tight. When thinking about how to get your estate in order, how to create a college fund for your children, or working out a retirement plan, it’s easy to get overwhelmed by the sheer volume of things you’ll need to consider. The safest way to avoid this is by sitting down and making a list of all the things you want to accomplish. Start small, such as saving money by clipping coupons, then work your way up to creating a budget, and so on. It will absolutely be necessary to have your spouse or partner involved in these decisions, so make sure you sit down together and keep communi
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