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We’re half way through January; this is a good time to check in and see how you’re progressing towards any new year goals. Remember, you don’t need the new year to start a new thing; you can start at any time. If you have a goal to start fresh with your money and to be intentional with your money this year, now is the time to get going with a budget. If you need a little help figuring out where to start, in this post I’m going to tell you how to make a budget and share nine tips to get out of debt.