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The full text of this article is only available to online subscribers. To gain access to this article, learn more about our online subscription rates and options. Tittle.We left the ball on the ground too much. We didn't get the ball to the officials. We could have sped things up from a process between plays.

Some people resist the "pay yourself first" concept; they want to maintain a sense of control over when their money leaves their checking account. Or they resist because they feel like there's too little "wiggle room" they're living from paycheck to paycheck and