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You clip coupons, you don’t splurge and you cook rather than go out to eat. You’re the budget queen, one of the best to ever do it. But if you admit it, sometimes you fall short. You underestimate your bills or other miscellaneous expenses. It’s ok boo. Don’t beat yourself up about it. It happens to the best of us.

But it doesn’t have to happen anymore. Black Enterprise’s Money Coach suggests that once you figure out your monthly expenses, you should add twenty percent to that.

Get the details on this strategy at and stop living from paycheck to paycheck.

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