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A Single Mother Struggling to Budget Weighs the Balance Between Just Surviving and Really Living

Success

These days, my biggest “little” indulgence is the way I use my credit card reward points. I have a Roth IRA and bonds; I refinanced my mortgage when the rates were low; I try to never carry credit debt; and I still drive a car I bought in 2006. But, like the perfume, this small, earthly investment satiated me.

Budget 264