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  S- I will save money for a house
M- I need to save around 100,000 dollars
A- save all my money from my paychecks unless I need something
R- this goal is realistic because i have a job and get paid every other week
T- about 16 years - 
  
  get a second job for extra cash for the utilities
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  only spend my money on things i need so i can save more
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  create a budget for what i spend my money on
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  research insurance and find the best price
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  research houses and find a good deal