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First” rule says that you must have sufficient income to cover your must-pay living expenses before you do any discretionary spending. Find out if it’s right for you.

Don’t let holiday cheer wreck your wallet. Consumer Investigator Rachel DePompa shares tips from Bank of America on how to budget smart, use rewards, and snag deals without overspending.

That said, I am not so sure about how much it can act as an adviser. I say this as an advice columnist who’d like to keep her ...

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