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The title of this write-up appears to be easy yet it's incredible just how frequently we all (this includes myself) sit gazing at a problem such as increasing paperwork and end up so despondent by all the work to be completed that we end up doing practically nothing and proceed in a sleep like condition for a number of days and sometimes weeks! Living pay check to pay check is a life for no one. The effects of barely making it or even the inability to miss one day of work/pay can cause great stress and hardship. What to do to end this destructive way of living is so easy you'll wonder why you didn't do this years ago. I know that's what I thought.