00:00Achieving your personal finance goals can seem overwhelming but the key is to
00:05break them down into small steps. First try automating saving. Set your accounts
00:10up with an automatic deposit every month. You won't even think about it until you
00:15look in your savings account and see how much you've saved. Budget for fun. You may
00:20think sticking to a budget means no more lattes and no more fun. Not necessarily.
00:26You should have a category in your budget for impulse spending. This way you can
00:30still have that feeling of spontaneity within the boundaries of a healthy
00:34budget. Negotiate bills. Don't be afraid to negotiate with service providers like
00:39cable companies and insurance providers. You would be surprised what offers you
00:43may get when you try to cancel a service. Figure out the daily cost of something.
00:48If you buy a cheap fast fashion coat it may cost less upfront but won't last long.
00:54A quality coat may cost more but will last longer over time.
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