From the desk of Mr. Broke on Purpose. For some people, a new year means a new beginning. And for others, it seems like it’s more of the same. For people trying to change something in their life this new year comes with a lot of built up promises to oneself. This time of year is also marked by people receiving their yearly W-2 for income tax refunds. Some people tend to use their refunds to make an extravagant purchase, while others pay off bills or play catch up. I often see commercials on tv and hear them on the…

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