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Old 06-22-2009, 09:33 PM
johny johny is offline
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Join Date: Mar 2009
Location: trunk of my car
Posts: 4
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My two steps are
1. long term planning - I specify my targets, this is the big picture of what I want to achieve in a year or in 3-5 years.

2. short term planning - what do I have to accomplish daily or weekly to be a step closer to my big plans

A daily simple choice between taking instant coffee rather than one from starbucks can be a great deal for my goal of increasing my monthly savings.
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