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Birdie knows that in order to save for her long-term goals she must change her spending habits but is resistant to following a budget. Which

Birdie knows that in order to save for her long-term goals she must change her spending habits but is resistant to following a budget. Which of the Five Stages of Change is Birdie in?

		a. Action.
		b. Contemplation.
		c. Pre-Contemplation.
		d. Preparation.

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