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@Porwest more from that month

It looks like we are already in early planning stages for a possible family vacation in August of this year. I always use cash. But what I will do different this time is treat the cash used like a loan which we will set up a monthly payment plan for and pay ourselves interest on. Sometimes this is one of the benefits of having money in the bank. You don't need to borrow the money from lenders, and when you treat yourself as your own personal lender, you can force more savings by charging yourself interest on the payback.

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