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techcaleb t1_iueo09t wrote

The number one thing you need to do is to create a proper budget and stick to it. You shouldn't just be spending money in the account down to 0 each month. Leave a buffer in the account that you treat as $0. For example, when the account balance is $100 that's it.

After you get some margin, you can work on breaking the paycheck to paycheck cycle, building an emergency fund, and so on. But first you need to start properly budgeting and only spending based on the budget to break the overdraft cycle.

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