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White and Nerdy
Join Date: Jun 2004
Location: South of Charlotte N.C.
Posts: 14,923
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I'd approach it first not picking on any existing habits but perhaps first teaching the meaning of this saying.
"A penny saved is worth ??% more than a penny earned for a penny earned is taxed".(You'll have a better idea of what number to put in for taxes.)
There's a lot that could be said from that, but I'd keep it simple for starters.
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Shadilay.
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