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You need to reorganize your finances today, but make sure to take a few key precautions. Your interest in fiscal health is great (and timely), but it's not smart to tackle too many cost-cutting measures at the same time. The shock of austerity can't help you stick to your budget in the long-term. A lucky windfall drops in your lap just when you need it the most, giving you just the boost you need to make it last.

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