The Most Important Part of Personal Finance

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By Nelson Smith
In a world filled with countless personal finance tips and tricks, it can be difficult for the average person to figure out what to do.
Most of us only have a small amount of money left over each month after paying our bills. This cash could be put to work paying off the mortgage, investing, or used to start a business. It could even be invested in an education or something else that could, eventually, raise your standard of living.
There are multiple ways to increase our savings rate, of course. The easiest way is usually to spend a little less and pocket the difference. Making more is another option, one that usually has more long-term potential than cutting back.
Amid all these options, some folks get paralyzed with inaction and do nothing. They barely know where to begin.
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