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Finances can be a great challenge for all of us. Or, perhaps I should say, MOST of us. One guy said: “I never worry about money. I have enough to last me the rest of my life – unless I buy something.” Maybe you heard me tell before about the wife who had been working over next year’s budget, poring over figures all night. She came out to her husband, who was sitting in the family room watching TV, and said, “Well I’ve worked out the budget, now you work out a raise.”

I guess he decided he would have a go at the budget so he worked on it the next...

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