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Here are her foursteps to creating a monthly money reset to reach your financial goals.

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Budgeting apps such as YNAB, EveryDollar and PocketGuard appear right on your smartphone for easy access.

These different financial tools come in paid and free versions.

Taking the time to accurately enter amounts for each category will produce better results.

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Many applications link directly to your financial accounts, such aschecking, savings and credit cards.

However, keep in mind that every month is different.

As 2024 comes to a close, holidays like Thanksgiving and Christmas are on the horizon.

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Preparing for extra spending ahead of time will make a big difference.

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