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LaToya Irby is a credit expert who has been covering credit and debt management for The Balance for more than a dozen years. Learn about our editorial policies. Reviewed by Khadija Khartit. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities.

She has been an investor, entrepreneur, and advisor for more than 25 years. Learn about our Financial Review Board. Monthly Bill Payment Checklist. Yearly Bill Checklist. Home Budget Worksheet. Health and fitness. Home learning. Papers and reports. Photo albums. Planners and trackers. Profit and loss. Resumes and cover letters. Social media. Download with Microsoft Bring your ideas to life with Microsoft Subscribe today. If you made your purchase, refresh to get started.

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