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Some of those budgeting articles are terrific, Janice. I am sending your post to another friend -- a single woman who is struggling financially. Financial solvency is my biggest worry right now - but my house is paid for, at least. And I have already done six of the things on those lists, so I CAN do something about it. The hardest challenges are paying for all the insurances - health, car, home, Those big ones kill my budget. Thank you for offering so much help.

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