Ruth Hayden is a nationally recognized financial consultant, educator, and author. (Photo courtesy of Ruth Hayden)
What's your financial 'new normal'?
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Consumers are discovering that they need to have a whole new level of spending that's lower than in the past. Personal finance guru Ruth Hayden says a new way of managing your money means more than just cutting back on purchases.
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Ruth Hayden: Personal finance consultant and author.
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