One other way to keep the balance is by creating a 12-month operating plan.

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In choosing a car that's apt to keep their kids in one piece, parents may have to balance competing interests.

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The question ultimately becomes one of balance: how does a school keep a successful head coach for the long-term without him assuming too much power?

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In the example above, paying the lowest balance works because it allows you to pay off one of the debts sooner, which helps keep you motivated to stay on track.

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