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Expenses:  

 

Savings 

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Investments 

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Housing: 

 

   rent or 

 

   mortgage 

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   electricity 

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   gas/oil 

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   telephone 

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About GAFM ®

  The GAFM International Board of Standards is ESQ European Accredited and ISO Certified for Quality and ISO 21001 Certified for Training Standards

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The GAFM ® Board is the 1st Graduate Certification Body to Become Accredited  and Certified for: ISO 9001 Quality and ISO 21001 Training in the World. GAFM ® owns the former AAFM ® Certifications and Programs

 

 

 

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