Any homeowner will be able to tell you that costs seem to pile up all on their own. It can sometimes seem that as soon as money enters your bank account, it leaves, perhaps on debt, but also on utilities, regular bills, the necessary expenditures, savings, and of course, lovely indulgences such as vacations. What matters, then, is not necessarily worrying about the cash flow of your household if it’s healthy, but in where that cash is flowing to, and how you might be able to retain just a little bit more of it

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