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pIf you take more than you make, you may have find yourself with more debt than you know what to do with./ppDon't feel bad. It happens easily and can sneak up on you.

pWhen you don't budget for reality, 1 of 2 things will happen: you'll come up short on paying for everything you've budgeted or you'll absorb the unexpected expense in the form of debt. Neither is good (credit cards are a dangerous form of planning for emergencies)./p