Guardians of Grail

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[link widoczny dla zalogowanych] The analysis of the outgoing money is the first step. Print out or load up the monthly statements from both bank account and credit card accounts. After glancing over the numbers and the types of expenses, jot down a few categories that go toward classifying the expenses. For example, groceries and eating out belong to food, whereas utilities and rent belong to [link widoczny dla zalogowanych] housing.

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