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Most of the population of South America lives in the middle latitudes because the southernmost part of the continent, which belongs to Argentina and Chile, is one of the coldest places on Earth. This place, called Patagonia, is a mountainous region, with lots of rivers and lakes, and some valleys in which small cities are located (for example Bariloche, Neuquen, Comodoro Rivadavia, Rio Gallegos and Ushuaia in Argentina, and Punta Arenas in Chile). There are only a few more than 2,400,000 people living in this region, while the total population of South America rises to 440,000,000 inhabitants.
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Being financially responsible is important for your health and your financial life. To "live within your means" means that what you spend each month is less than or at least equal to the amount of money you bring in each month. For many people, it’s a lot easier said than done.
Credit cards, loans, savings, and even emergency funds allow you to buy more things than your income would ordinarily allow. Unfortunately, that kind of lifestyle isn’t sustainable and, at some point, reckless spending will catch up to you. Learning to live below your means will help you avoid financial ruin and find the peace that comes with financial freedom.Using credit cards to pay bills or cover other living expenses is not a way to live below your means. When you plan your budget, completely rule out credit cards as a way to make ends meet. Once you know how much you make, you can focus on reducing your spending to fit your income. If you don’t have one already, create a budget to plan your expenses and use it to keep your spending on track. If you’ve already tried budgeting and it didn’t work, try it again. Often you just need to make some minor changes to your budget to get it to be effective.
If you want to keep the process simple, try a method called "backward budgeting." Write down your income, then start subtracting each expense you pay each month. If you get to a negative number, then you're spending too much and need to cut back.
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PSAT stands for Preliminary SAT, where SAT is the Scholastic Aptitude test. It is a standardized test that allows for a nation-wide comparison of students. The results of the test are relevant for the National Merit Scholarship program.
