When we read our how to books on saving money we are looking for the big break through, we read about losing weight and crave for an instant reduction. In reality it will take time to loose weight. When we try to improve our financial well being all the information about saving money we need is out there , how to reduce your phone bill, how to reduce your debt, how to save on your shopping just look at all the information on money saving expert. So why is it so hard to improve?
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