In this stage, you should focus on getting organized & out of the “red” with your money. You want to focus on getting a budget to help you get & stay on track with managing your money. Your main goal in this stage is to be able to pay for your living expenses, minimum debt payments without accumulating more debt every month “getting out of the red”. It’s also important that you surround yourself with positive influences to keep you motivated on your journey so that you can achieve financial stability.
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