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 Now is the perfect time to assess and work toward your financial goals. Ground Picture / Shutterstock.com

Editor’s Note: This story originally appeared on Living on the Cheap. Are you spending too much and saving too little? Do you not even know where your money is going? If the answer is yes, it’s time to get your financial life in order. Even if you’re doing well financially, the beginning of the year is a good time to take a look at your savings, your spending and your processes to see what…

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