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" "The key to guilt-free spending is setting up financial systems that allow you to know what you can afford when you can afford it.
Arese Ugwu (born 19 March 1986) is a Nigerian author of the ground-breaking The Smart Money Woman, the financial-chick-lit novel, engaging young Africans on the importance of financial literacy and the impact it has on helping them get money, keep the money, and grow money.
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