Virtue is key to Thomas Zordani’s financial plan. I love that! Learning the virtues of temperance and delayed gratification are keys to financial success. Control your spending and apply your income to carefully budgeted necessary expenditures (including tithing), paying off debt and building up an emergency fund. After three years of disciplined spending you will be debt free and have a firm financial foundation on which to build. Then you can start spending you discretionary income (carefully) on wants instead of just needs.|

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