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I used to swear by my color-coded spreadsheets, but after refinancing last year, I realized tech was the only way to keep up. Pen and paper felt satisfying, sure, but when you’re juggling mortgage statements and debt counseling worksheets, one lost page can set you back weeks. The app glitches annoy me too, but at least everything’s in one place—no more hunting for that “one” receipt I swore I’d filed.
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