WEBVTT

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(register chiming)

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- So, mistakes that I would see

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is that overextension of your income

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and what I mean by that is,

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at the time you think
that you can afford $200

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for a payment on an item,

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but whenever you put it into your budget,

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that is not the case.

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So, when we're looking
at that 20% threshold,

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it is imperitive that
before you buy something,

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you actually do the math
and put that in your budget

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so that way you know,

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can you actually spend that

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or is it appropriate to
go a little bit less?

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Do I need the curved screen TV

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or can I just go with
the regular flat screen?

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That's the difference, right?