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Created by Congress, the American Opportunity Credit (formerly the Hope Credit) provides a tax credit based on the family's income and the tuition the family pays. Whatever happened to just measuring income and expenses?

Discover tools for cutting expenses on the next page. The no-frills alternative to Quicken, You Need a Budget (YNAB) lacks the scope of tools available in Intuit's famous budgeting software. The Pell Grant is a popular federal funding option but is often hard to obtain because only those with the greatest financial need qualify. They're too big to move and need technicians on call. What to Make of U.S.'s Debt to China.

He gives endless tips on how to live without soap (or make your own from foraged ingredients); how to farm, forage and barter for the food you need; and how to build your own home, all without spending a penny.


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