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                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; padding-top: 0; text-align: left !important">
                   Hi there,
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   They say it takes 21 days to form a new habit. Of course, they say this because of a discredited observation made in a 1960 book written by a plastic surgeon. More recent research indicates it most often takes longer.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   You’ve had a budget for forty-seven days now. This a perfect time to talk about habits you may have already noticed forming, or plant some seeds for others that will support your stress-free, total-control-of-finances self.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   All habits have
                   <i>
                    triggers
                   </i>
                   . The event, thought, feeling, person, or something else that kicks it in. With the trigger in place, the habit is then reinforced by imagining (sometimes you don’t notice this part) the reward that is to come.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Here’s your first one:
                   <b>
                    Checking what’s available in a category.
                   </b>
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   The trigger for this habit is probably already in place. It’s this question:
                   <i>
                    Can I afford this?
                   </i>
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Without a budget, it’s difficult to answer this question. You fall back on whether or not this (let’s say dinner out) is more than usually spend. If it isn’t, you assume you can afford it. If it is, you worry that you can’t. Maybe you look at your account balance, thinking you’ll know. But you check it, and find you really don’t feel any more confident.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Wouldn’t it feel better to
                   <i>
                    actually know
                   </i>
                   the answer to this question? And to know, not just whether you can afford it, but whether this spending decision aligns with your priorities?
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   You can.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Don’t guess. Don’t check your account balance. Instead,
                   <a style="color: #1251ba" target="_blank">
                    pull up your budget
                   </a>
                   or take out your mobile device, and check what you have available in your budget category.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Then, do this again. And again. And again. You’ll have a new habit. And you’ll be building a stress-free financial life, one budget-check at a time.
                  </p>
                  <p align="left" class="intercom-align-left" style="line-height: 1.5; margin: 0 0 17px; text-align: left !important">
                   Here's to new habits,
                  </p>
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